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ANJ4BX 


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17S 


., 


THE    LEGAL 


• 


FINANCIAL    LIGHTS 


AMERICA. 


THE 


LEGAL  AND  FINANCIAL  LIGHTS 


OF    AMERICA. 


W    A  NEW  AND  ORIGINAL  COMPILATION  OF  THE  MOST  HONORABLE  AND  RELIABLE 
ATTORNEYS  (ONE  IN  EACH  COUNTY)  ; 

THE  LARGEST,  BEST  AND  MOST  PROMINENT  BANKS  (ONE 
IN  EACH  COUNTY) ; 

Sjff 

S^  THE    OFFICIAL    DIPLOMATIC    AND     CONSULAR     GUIDE    OF    THE    U.    S.    THROUGHOUT 

THE    WORLD  : 


AND     THE     MOST    COMPREHENSIVE    DIGEST    OF    ALL    COMMERCIAL    LAWS    OF    EACH 
STATE   AND   TERRITORY    IN   THE   UNION; 

ALL    OF    WHICH    HAS    BEEN    ACCOMPLISHED    FOR    THE    MUTUAL      INTEREST    AND 

PROFITS    OF   ATTORNEYS    AND   BANKS,    AND   THE    WHOLESALE 

MERCHANTS    AND   MANUFACTURERS. 


NEW  YOEK. 
1895. 


Entered  according  to  Act  of  Congress  in  the  office  of  the 
Librarian  of  Congress,  in  the  year  A.  D.  1895,  by  the  LEGAL 
AND  FINANCIAL  LIGHTS  OF  AMERICA. 


NEW   YORK : 

PRESS  OF  JOHN  POLHEMUS  PRINTING  Co., 

121  FULTON  STREET. 

1856. 


PREFACE. 

FOR  the  first  time  in  the  history  of  commerce,  a  system  has  been  established 
by  which  a  mutual  and  beneficial  arrangement  is  entered  into  between  the 
wholesale  Merchants  and  Manufacturers  of  the  country,  with  a  legal  representa- 
tive herein  contained,  as  well  as  getting  honest  information  and  treatment  as 
to  the  debtor  class  in  general ;  also  for  banking  facilities,  in  connection  with 
said  sole  attorney  for  each  county,  we  give  the  most  reliable  Banks  in  same 
district  which  are  giving  special  time  and  attention  to  all  banking  business 
entrusted  to  them.  The  system  is  entirely  new,  and  cannot  fail  to  save  hundreds 
and  thousands  of  dollars  per  year  and  relieve  the  minds  of  the  commercial 
world  of  many  of  its  commercial  vexations  and  burdens  ;  for  where  one  attends 
(in  one  small  district)  to  the  interest  of  the  many  from  the  outside,  how  easy, 
indeed,  it  becomes  for  the  one  to  make  more  satisfactory  and  quicker  settlements 
in  case  of  liquidation,  and  the  same  can  be  made  far  more  profitable  to  creditor 
and  beneficial  to  its  treasury,  by  saving  expenses,  per  cents.,  costs  and  remaining 
stock.  All  further  explanations  cheerfully  given  by  our  representatives  or  the 
publishers. 

In  conclusion,  for  all  international  business,  we  also  give  you  the  official 
Diplomatic  and  Consular  list  of  the  United  States  throughout  the  world. 

With  this  short  review  of  our  work,  we  feel  confident  that  these  "Lights" 
will  be  and  become  the  greatest  panacea  to  commerce  at  large. 

SCHUHL  &  LEMAIRE, 

Publishers. 


20O3G40 


AGREEMENT     BETWEEN 

The  Wholesale  Merchants'  &  Manufacturers'  Guarantee  Credit  Company 


AND 


UL  LIGHTS  OF  IffiKL 


It  is  agreed  by  The  Wholesale  Merchants'  and  Manufacturers'  Guarantee 
Credit  Company  and  the  publishers  of  The  Legal  and  Financial  Lights  of  America, 
that  the  said  members  of  the  Wholesale  Merchants'  and  Manufacturers'  Guarantee 
Credit  Company  do,  and  will,  uphold  and  encourage  the  said  publication  for 
divers  good  reasons  as  duly  made  acquainted  with ;  and  support  it  to  the  full 
extent,  as  follows : 

FIRST.     To  be  and  become  its  annual  subscribers. 

SECOND.  To  deal  directly  with  the  attorneys  contained  therein  in  all  matters 
pertaining  to  law,  and  judicial  business  in  their  respective  counties. 

THIRD.  For  all  financial  business  to  act  directly  with  the  banks  therein 
furnished. 

And  the  said  publishers  pledge  themselves  at  all  times,  and  in  each  edition 
to  furnish  only  the  most  honorable  and  responsible  attorneys  and  banks,  one  in 
each  and  every  county  of  the  United  States  (in  larger  cities,  two  or  more  as  the 
case  may  necessitate). 

ALL  OF  WHICH  IS  MUTUALLY  CONCURRED  IN  BY 

The  Wholesale  Merchants'  and  Manufacturers'  Guarantee  Credit  Company 

AND  THE 

Publishers  of  the  Legal  and  Financial  Lights  of  America, 


ALABAMA. 


County  Seal.          County. 
Abbeville Henry. 

Andalusia Covington. 

Ashland Clay. 

Ashvllle St.  Glair. 

Athens Limestone. 

Birmingham  ..Jefferson. 
Blountsvllle  .  .Blount. 

Butler Choctaw. 

Brewton Escambia. 

Camden Wilcox. 

Carrol  I  ton Pickens. 

Centre Cherokee. 

Centreville Bibb. 

Clanton Chilton. 

Clayton Barbour. 

Colnniblana  . . .  Shelby. 

Cullman Cullman. 

Dadcville Tallapoosa. 

Daphne Baldwin. 

DOUPLE  SPRINGS. Winston. 
Edwardsville  .Cleburne. 

Elba Coffee. 

Eufaula Barbour. 

Euta\v Greene. 

Evergreen Conecuh. 

Fayette Fayette. 

Florence Lauderdale. 

Fort  Payne De  Kalb. 

Gadsden Etowah. 

Geneva Geneva. 

Greensboro' . .  .Hale. 

Greenville Butler. 

Grove  Hill Clarke. 

Guutorsville  ..Marshall. 

Hamilton Marion. 

Haynevllle Lowndes. 

Huntsvllle Madison. 

Jacksonville..  .Calhoun. 

Jasper Walker. 

La  Fayette Chambers. 

Li  lido  11 Marengo. 

Livingston Suniter. 

Luverne Crenshaw. 

Marlon  Perry. 

Mobile Mobile. 

Monroevllle . .  .Monroe. 


Name  of  Alty. 
J.  W.  Foster. 

Ed.  T.  Albritton. 

A.  S.  Stockdall. 

E.  J.  Robinson. 

W.  R.  Walker. 

Mountjoy&  Tomiinson. 

M.  L.  Ward. 

Vacant. 

Jas.  M.Davison. 

P.  M.  Horn. 

E.  D.  Willett. 

C.  Daniel. 
S.  D.  Logan. 
W.  A.  Collier. 
A.  A.  Evans. 

D.  R.  McMillan. 
Geo.  H.  Parker. 
Jno.  A.  Terrell. 
D.  C.  Anderson. 
P.  H.  Newman. 
A.  A.  Hurst. 

P.  N.  Hickman. 
A.  H.  Merrill. 


Name  of  Bank. 

At  Columbia, 

Dk.  of  Jno.  T.  Davis  &  Son. 

A.  Luverne,  Bk.  of  Luverne. 

See  Talladega. 

See  Gadsden. 

Bk.  of  Athens. 

Berney  Natl.  Bk. 

See  Cullman. 

See  Livingston. 

Bk.  of  Brewton. 

Camden  Bk. 

See  Tuscaloosa. 

See  Jacksonville. 

At  Blocton,  Blocton  Svgs.  Bk. 

See  Montgomery. 

Citizens  Bk. 

Bk.  of  Gordon  DuBose. 

Bk.  of  Parker  &  Co. 

Tallapoosa  Co.  Bk 

See  Mobile. 

See  Jasper. 

Bk'.  of  P.  A.  Howie. 

At  Luverne,  Bk.  of  Luverne. 

East  Alabama  Natl.  Bk. 


Seay,  Judge  &  DeGraffenried. First  Nat!.  Bk. 
Farnham,  Crum  &  Newton.    See  Brewton. 


Jno   B.  Sanford. 
Simpson  &  Jones. 
L.  A.  Dobbs. 
Dortch  &  Martin. 
Chas.  H.  Laney. 
A.  M.  Tunstall. 
Richardson  £  Hamilton. 
J.  T.  Lackland. 
Lusk-&  Bell. 
A.  J.  Stanford. 
Clements  &  Brewer. 
0.  R.  Hundley. 
H.  Lee  Stevenson. 
W.  B.  Appling. 
Dowdell  &  Duke. 
Jno.  C.  Anderson. 

A.  G.  Smith. 

M.  W.  Rushton. 

B.  M.  Huey. 
Fielding  Vaughan. 
Thos.  S.  Wiggins. 


See  Jasper. 

First  Natl.  Bk. 

Fort  Payne  Bk. 

First  Natl.  Bk. 

Bk.  of  Geneva. 

Bk.  of  Greensboro'. 

Exchange  Bk. 

See  Camden. 

Bk.  of  Guntersville. 

At  Aberdeen,  Miss. 

At  Montgomery. 

First  Natl.  Bk. 

Tredegar  Natl.  Bk. 

Jasper  Trust  Co. 

Bk.  of  Lafayette. 

At  Uniontown,  Plan.  &  Mer.  Bk. 

Bk.  of  McMillan  &  Co. 

Bk.  of  Luverne. 

Marlon  Central  Bk. 

First  Natl.  Bk. 

At  Brewton. 


Cashier. 


H.  Folmar. 


C.  E.  Frost. 

W.  P.  G.  Harding. 


O.  P.  Luttrell. 
S.  J.  Walling,  Jr. 


J.  B.  Wadsworth. 

J.  E.  Meadows. 
H.  C.  DuBose. 
H.  C.  Bounds. 
Z.  J.  Wright,  Jr. 


C.  P.  Roberts. 
B.  B.  Barnes. 


N.  C.  Elting. 
W.  P.  Hemphill. 
W.  G.  Brockway. 
Wm.  J.  Hall. 
J.  A.  Blunt. 
B.  Steiner. 

W.  M.  Cantrell. 


Jos.  Martin. 
Geo.  P.  Ide. 
Jno.  A.  Gravelee. 
J.  C.  Griffin. 
W.  J.  White. 

H.  Folmar. 
Jas.T.  Fitzgerald. 
C.  D.  Willoughby. 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


ALABAMA — CONTINUED. 


County  Seat.          County. 
Montgomery  .  .Montgomery 

IWoulton Lawrence. 

Opellka Lee. 

Ozark .  .Dale. 

Pratt  vf  He Autaga. 

Rockford Coosa. 

Russellville  . . .Franklin. 

Rutledge Crenshaw. 

.Scottsboro' Jackson. 

Seale Russell. 

Selma Dallas. 

Somervllle Morgan. 

St.  Stephens  . .  .Washington. 

Talladega Talladega. 

Troy Pike. 

Tuscaloosa Tuscaloosa. 

Tnscumbia Colbert. 

Tuskegee Macon. 

Union  Sprliigs.Biillock. 

Vernon Lamar. 

"Wedowee Randolph. 

Wetumpka  — Elmore. 


Name  of  Alty. 
Tompkins  i  Troy. 
W.  T.  Lowe. 
W.  J.  Samford  &  Son. 
A.  T.  Borders. 
M.  A.  Smith. 
J.  H.  Parker. 
G.  C.  Almond. 
A.  B.  Brooks. 
Jno.  F.  Proctor. 
J.  F.  Waddell. 
Mallory  &  McLeod. 
Wm.  E.  Skeggs. 
Vacant. 
A.  M.  Garber. 
Parks,  Harmon  &  Gamble. 
Foster  &  Oliver. 
Kirk&  Almon. 
W.  G.  Brewer. 
D.  S.  Bethune. 
T.  B.  Nesmith. 
Jas.  W.  Oliver. 
W.  P.Gaddis. 


Name  of  Bank. 
First  Natl.  Bk. 
AtDecatur   First  Natl.  Bk. 
First  Natl.  Bk. 
Planters'  &  Merchants'  Bk. 
At  Montgomery. 
At  Tallapoosa. 
See  Tuscumbia. 
At  Luverne,  Bk.  of  Luverne. 
Jackson  Co.  Bk. 
At  Union  Springs. 
City  Natl.  Bk. 
At  Decatur,  First  Natl.  Bk. 
At  Mobile. 
Isbell  Natl.  Bk. 
Farmers'  &  Merchants'  Bk. 
Merchants'  Natl.  Bk. 
Colbert  Co.  Bk. 
Bk.  of  Tuskegee. 
Merchants'  &  Farmers'  Bk. 
At  Aberdeen,  Miss. 
At  Roanoke,  Bk.  of  Roanoke. 
Bk.  of  M.  Hohenberg  &  Co. 


Cashier. 
A.  M.  Baldwin. 
W.  W.  Littlejohn. 
Orrin  Brown. 
H.  M.  Sessions. 


H.  Polmar. 
A.  H.  Coffey. 

A.  G.  Parrish. 
W.  W.  Littlejohn. 

R.  L.  Ivey. 
L.  M.  Baslinsky. 
Glenn  Foster. 
J.  H.  Bemis. 
J.  H.  Drakeford. 
J.  H.  Rainer,  Jr. 

B.  F.  Weathers. 


DIGEST  OF  ALABAMA  COMMERCIAL  LAWS. 

Assignment*. — Every  general  assignment  made  by  a  debtor,  by  which  a  preference  or 
priority  of  payment  is  given  to  one  or  more  creditors  over  the  remaining  creditors, 
shall  be  and  inure  to  the  benefit  of  the  creditors  equally.  No  preferences. 

Attachments. — Attachments  may  issue  when  defendant  resides  out  of  the  State,  or 
absconds,  or  secrets  himself  so  that  the  ordinary  process  of  law  cannot  be  served  on 
him  ;  or  is  abdut  to  remove  out  of  the  State  ;  or  is  about  to  remove  his  property  out 
of  the  State,  so  that  plaintiff  will  probably  lose  his  debt  or  have  to  sue  for  it  in 
another  State  ;  or  is  about  fraudulently  to  dispose  of  his  property  ;  or  has 
fraudulently  disposed  of  his  property  ;  or  has  moneys,  property  or  effects,  liable  to 
satisfy  his  debts,  which  he  fraudulently  withholds. 

Bank  Laws. — Banks  of  discount  and  deposit  may  be  established  under  the  general 
incorporation  laws,  but  must  be  wound  up  at  the  end  of  twenty  years.  Depositors 
not  claiming  interest  are  preferred  creditors  in  case  of  insolvency.  Any  number  of 
persons  (not  less  than  three  stockholders)  may  associate  themselves  together  to 
establish  a  bank  of  deposit  and  discount ;  their  capital  stock  to  be  not  less  than 
$50,000,  of  which  not  less  than  twenty  per  cent.,  and  in  no  case  less  than  $25,000 
must  be  actually  paid  by  the  subscribers  for  stock  before  the  filing  of  the  declaration 
of  incorporation.  A  transcript  of  the  declaration  of  incorporation  must  also  be 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

ALABAMA — CONTINUED. 

filed  in  the  office  of  the  Secretary  of  State,  who  issues  to  the  incorporators  a 
certificate  of  incorporation.  A  stockholder  is  liable  for  the  debts  of  the  bank  only 
to  the  extent  of  unpaid  stock.  It  is  made  an  offense  punishable  by  fine  for  any 
bank,  or  officer  of  a  bank  of  any  kind,  to  receive  deposits  when  the  bank  or  person 
doing  such  banking  business  is  in  a  failing  or  insolvent  condition.  Any  banker 
who  discounts  a  bill  or  note  at  a  greater  rate  than  8  per  cent,  cannot  enforce  the 
collection  of  same  except  as  to  the  principal,  and  if  any  interest  has  been  paid  it 
must  be  deducted  from  the  principal. 

Exemptions. — A  resident  of  Alabama  is  entitled  to  a  homestead  not  exceeding  in  value 
$2,000  and  in  area  160  acres  ;  and  if  he  leaves  surviving  him  a  widow  and  minor 
child  or  children,  or  either,  during  the  life  of  the  widow  and  minority  of  the  child 
or  children,  such  property  continues  exempt  from  levy  and  sale  for  his  debts. 
Personal  property  to  value  of  $1,000  and  wages  to  $25  per  month  are  also  exempt. 

Interest. — Legal  rate  is  8  per  cent.  In  case  of  usurious  contract  where  usury  is  pleaded,  all 
interest  forfeited  and  defendant  recovers  full  costs. 

Legal  Holidays.— Sunday,  Christmas,  February  22d,  July  4th,  January  1st,  Thanks 
giving  Day,  Mardi-Gras,  Good  Friday,  Birthdays  of  General  Lee  and  Jefferson 
Davis,  and  Memorial  Day  (April  26th). 

Limitation  of  Actions. — Judgments,  twenty  years  ;  actions  founded  upon  any  con- 
tract or  writing  under  seal  for  the  recovery  of  lands,  tenements,  hereditaments,  or 
any  part  thereof,  actions  against  officers,  ten  years  ;  actions  on  contracts  in  writing 
not  under  seal,  for  loans  and  upon  stated  or  other  liquidated  accounts  ;  for  use  and 
occupation  of  lands  ;  against  attorneys-at-law  for  failure  to  pay  over  money  ;  upon 
judgments  obtained  before  justices  of  the  peace  of  this  State,  six  years  ;  for  money 
due  by  open  or  unliquidated  account,  three  years. 

married  Women. — All  property  acquired  by  the  wife  before  marriage,  and  all  property 
acquired  after  marriage  by  gift,  grant,  inheritance  or  devise,  remains  her  sole 
estate,  and  is  liable  for  all  debts  contracted  before  marriage,  also  for  articles  of 
comfort  and  support  of  the  household  for  which  the  husband  would  be  liable. 

Xotarial  Fees. — Protest  $1.50,  and  fifty  cents  each  endorser. 

Xotes  and  Bill*  of  Exchange. — Promissory  notes  payable  at  a  bank  or  a  certain 
place  of  payment  therein  designated,  and  bills  of  exchange  are  governed  by  the 
commercial  law.  All  other  instruments  payable  at  a  bank,  or  other  designated 
place  of  payment,  are  governed  by  the  commercial  law  as  to  days  of  grace,  protest 
and  notice.  Three  days  of  grace  allowed  on  commercial  paper  and  on  sight  bills. 
If  last  day  of  grace  falls  on  a  holiday,  paper  is  due  the  next  business  day.  No 
acceptance  valid  unless  in  writing.  Damages  on  protest  for  non-acceptance  or  non- 
payment, five  per  cent.  This  covers  all  charges  except  interest. 

Stay  of  Executions. — On  sums  less  than  $20.00,  thirty  days  ;  over  $20.00,  sixty  days. 

Transfer  of  Corporation  Stocks.— 1.  Shares  of  stock  in  corporation  are  personal 
property,  transferable  on  the  books  of  the  corporation  in  such  manner  as  is  required 
by  the  By-Laws,  or  regulations  of  the  corporation.  2.  When  the  charter,  By-Laws 
or  regulations  of  private  corporations  require  the  transfer  of  the  stock  to  be  made 
on  the  books  of  the  corporation,  no  transfer  of  stock  is  valid  as  against  bona  fide 
creditors,  or  subsequent  purchasers,  without  notice,  except  from  the  time  such 
transfer  shall  have  been  registered.  3.  It  is  the  duty  of  every  corporation  to 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 

ALABAMA — CONTINUED. 

require  the  transfer  of  its  stock  to  be  made  on  its  books  ;  and  persons  holding  stock 
not  so  transferred  or  registered  or  holding  any  stock  under  hypothecation,  mortgage 
or  other  lien  must  have  the  same  made  or  registered  on  the  books  of  the  corpora- 
tion, or  upon  failing  to  do  so  within  fifteen  days,  all  such  transfers,  hypothecations, 
mortgages  or  other  liens  shall  be  void  as  to  bona  fide  creditors,  or  subsequent  pur- 
chasers without  notice. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


ARIZONA. 

County  Seat.          County.  Name  of  Ally.  Name  of  Bank.  Cashier. 

Flagstaff* Coconino.  T.  G.  Morris.  Arizona  Central  Bk.  J.  H.  Hoskine,  Jr. 

Florence  Final.  W.  R.  Stone.  See  Phoenix. 

Globe Gila.  P.T.Robertson.  Old  Dominion  Com!.  Go.  A.  Bailey. 

Kiiigman Mohave.  W.  G.  Blakely.  See  Flagstaff. 

Phoenix  Maricopa.  Chas.  F.  Ainsworth.  Phoenix  Nat).  Bk.  A.  H.  Harscher. 

Prescott Yavapai.  E.  M.  Sanford.  Prescott  Natl.  Bk.  R.  C.  Woodruff. 

St.  Johns Apache.  Geo.  A.  Estes.  State  Bk.  of  Arizona.  A.  F.  Banta. 

Solomonsville  Graham.  C.E.Moorman.  See  Tucson. 

Tombstone Cocbise.  A.  R.  English.  See  Tucson. 

Tucson Pima.  C.W.Wright.  Arizona  Natl.  Bk.  M.  P.  Freeman. 

Ifuma Yuma.  Geo.  M.  Knight.  See  Phoenix. 


DIGEST  OF  ARIZONA  COMMERCIAL  LAWS. 

Assignment*. — Assignments  shall  provide  for  the  distribution  of  all  real  and  personal 
property,  not  exempt,  among  creditors  in  proportion  to  their  respective  claims. 
Preferences  are  void. 

Attachments. — Attachments  may  issue  when  the  action  is  on  contract,  express  or  implied, 
for  the  direct  payment  of  money,  made  or  payable  in  territory,  and  no  security 
has  been  given  for  satisfaction  of  the  payment  to  be  rendered.  It  shall  specify  the 
character  of  the  indebtedness,  that  same  is  due  to  plaintiff,  over  and  above  all  legal 
set-offs  or  counter  claims,  and  that  demand  has  been  made  for  the  amount  due  ;  or 
that  defendant  is  indebted  to  plaintiff,  stating  the  amount  and  character  of  debt ; 
that  the  same  is  due  over  and  above  all  legal  set-offs  and  counter  claims,  and  that 
the  defendant  is  a  non-resident  of  the  territory,  or  is  a  foreign  corporation  doing 
business  therein  ;  or  that  an  action  is  pending  between  the  parties,  and  the  defend- 
ant is  about  to  remove  his  property  beyond  the  jurisdiction  of  the  court  to  avoid 
the  payment  of  the  judgment,  and  that  the  attachment  is  not  sought  for  wrongful 
or  malicious  purposes,  and  the  action  is  not  prosecuted  to  hinder  or  delay  any 
creditor  of  the  defendant. 

Bank  L.UIVS. — Banks  of  discount  and  deposit  may  be  incorporated  under  the  general 
Corporation  Act.  Banking  business  may  be  carried  on  by  individuals  or  firms,  or 
by  corporations  organized  for  that  purpose.  The  Territory  Auditor  is  ex-officio 
bank  comptroller.  Every  bank  and  banker  shall  make  to  the  bank  comptroller  not 
less  than  three  reports  each  year  under  oath. 

Exemptions. — Head  of  family  may  hold  real  property,  selected  to  the  value  of  $4,000 
and  $1 ,000  worth  of  personal  property. 

Interest. — Legal  rate  7  per  cent,  per  annum,  and  by  contract  any  rate  may  be  fixed. 
There  is  no  usury  law. 

Legal  Holidays.— Sunday,  January  1,  February  22,  May  30,  July  4,  December  25, 
Thanksgiving,  General  Territorial  election,  or  special  election  called  by  the  Gov- 


10  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

AKIZON  A—  CONTINUED. 

Limitation  of  Actions. — To  recover  real  estate,  three  years  after  cause  accrued  ;  where 
founded  on  possession,  two  years.  Three  years  for  debt,  where  indebtedness  is 
not  evidenced  by  a  contract  in  writing,  upon  stated  or  open  accounts.  All  actions 
for  which  no  limitation  is  prescribed,  except  to  recover  real  estate,  actions  to  con- 
test wills,  and  to  cancel  a  will  for  forgery  or  fraud,  two  years  after  the  discovery 
thereof.  Five  years,  judgment  or  actions  for  debt  evidenced  by,  or  founded  upon 
contract  in  writing,  made  within  this  territory,  actions  upon  a  judgment  or  upon 
an  instrument  in  writing  executed  without  this  territory.  New  acknowledgment 
or  promise  must  be  in  writing. 

Ularried  Women. — All  property  of  a  married  woman,  whether  acquired  before  or  after 
marriage,  by  gift,  grant,  inheritance,  devise  or  otherwise,  shall  remain  her  so'e 
property  so  long  as  she  wills.  Said  property  is  not  liable  for  her  debts  or  contracts 
unless  said  debts  and  contracts  were  made  with  special  reference  to  its  being  liable. 

Notarial  Fee§. — Protest  $2.50  and  75  cents  each  notice. 

Notes  and  Bills  of  Exchange. — All  notes  in  writing  shall  be  due  and  payable  as 
therein  expressed,  and  shall  have  the  same  effect  and  be  negotiable  in  like  manner 
as  inland  bills  of  exchange.  The  payees  and  indorsees  of  every  such  note  payable 
to  them  or  their  order,  and  the  holders  of  every  such  note  payable  to  bearer,  may 
maintain  actions  for  the  sums  of  money  therein  mentioned  against  the  makers  and 
indorsers  of  the  same  respectively  in  like  manner  as  in  cases  of  inland  bills  of 
exchange,  and  not  otherwise.  To  charge  a  person  within  this  territory  as  an  accep- 
tor on  a  bill  of  exchange,  his  acceptance  must  be  in  writing,  signed  by  himself  or 
his  lawful  agent.  Three  days  of  grace  shall  be  allowed  on  all  bills.  Paper  matur- 
ing on  a  holiday  becomes  due  the  next  business  day.  Damages  for  protested  bills, 
10  per  cent. 

Stay  of  Executions. — Three  months  by  giving  good  security, 

Transfer  of  Corporation  §tocks. — Transfer  of  stock  shall  not  be  valid  except  as 
between  the  parties  thereto,  until  the  same  are  regularly  entered  upon  the  books  of 
the  company,  so  as  to  show  the  names  of  the  persons  by  whom  and  to  whom  the 
transfer  is  made,  the  numbers  or  other  designation  of  the  shares  and  date  of  the 
transfer. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


11 


ARKANSAS. 


County  Seat.          County. 
A rkadelph f  a  . . Clark. 
Arkansas  Clty.Desha. 
Augusta Woodruff. 


Name  of  Atty. 
Murry  &  Kinsworthy. 
Murphy  &  Gates. 
Stanley  &  Andrews. 


Batesville Independence Yancey  &  Fulkerson. 


Bo  ii  to  11 Saline. 

Bentoiiville  . .  .Benton. 

Berry  vllle Carroll. 

Camden Oaacbita. 

Centre  Point .  .Howard. 

Clarendon Monroe. 

ClarksTllle Johnson. 

Clinton Van  Buren 

Con  way Faulkner. 

Corning Clay. 

Dallas Polk. 

Dardaiielle  . . .  .Yell. 

De  Witt Arkansas. 

Dumas Deeha. 

Eldorado Union. 

EveningSliadeSbarp. 

Fayettevllle. .  .Washington.  Walker  &  Walker. 

Forrest  City  . .  .St.  Francis.    N.  W.  Norton. 

. .  Sebastian 

..Ashley. 

..Calhoun. 

.  .Poinsett. 


A.  D.  Jones. 
W.  D.  Mauk. 
J.  P.  Fancher. 
Smead  &  Powell. 
W.  D.  Lee. 

Ewan,  Manning  &  Lee. 
A.  S.  McKennon. 
S.  W.  Simpson. 
P.  H.  Prince. 
G.  B.  Oliver. 
F.  M.  Reeves. 
J.  M.  Parker. 
Gibson  &  Holt. 
Jas.  Murphy. 
Jesse  B.  Moore. 
Sam.  H.  Davidson. 


Fort  Smith... 

Hamburg 

Hampton 

Harrisburg . . 

Harrison Boone. 

Heber Clebnrne. 

Helena Phillips. 

Hot  Springs... Garland. 

Huntsville Madison. 

Jasper Newton. 

JonesboroughCraighead. 
Lake  Village.. Chicot. 
Little  Kook....Pulaski. 
Lockesburg — Sevier. 

Lonoke Lonoke. 

Magnolia Columbia. 


Ira  D.  Oglesby. 
Geo.  W.  Norman. 
C.  L.  Poole. 
Jno.  J.  Mardis. 
H.C.King. 
J.  P.  Wood. 
Quarles  &  Moore. 
Wood  &  Henderson. 
A.  M.Brumfield. 
M.  T.  Briscoe. 
J.  C.  Hawthorne. 
Gaines  &  Street. 
Ratcliffe  &  Fletcher. 
Steel  &  Steel. 
Geo.  Sibley. 
Stevens  &  Stevens. 


Jlalvern Hot  Springs.  N.P.Richmond. 


Marianna Lee. 

Clarion Crittenden. 

3farsb.aH Searcy. 

Melbourne Izard. 

Montlcello Drew. 

-llorrlllton Conway. 

MOUNTAIN  HOME.. Baxter. 
MOUNTAIN  VIEW... Stone. 


E.  D.  Robertson. 
R.  F.  Crittenden. 
Albert  Welborn. 
Jas.  J.  Baker. 
Wood  &  Matthews. 
C.  C.  Reid. 
M.  N.  Dyer. 
Ben.  F.  Williamson. 


Name  of  Bank. 
Elk  Horn  Bk. 
Desha  Bk. 
Bk.  of  Augusta. 
Bk.  of  Batesville. 
Saline  Co.  Bk. 
People's  Bk. 
Carroll  Co.  Bk. 
Ouachita  Valley  Bk. 
At  Nashville,  Howard  Co.  Bk. 
Merchants1  &  Planters'  Bk. 
Bk.of  Clarksville. 
See  Morrillton. 
Bk.  of  Conway. 
Bk.  of  Corning. 
See  Waldron. 
People's  Bk. 

At  Stuttgart,  German  Am.  Bk. 
See  Arkansas  City. 
Bk.  of  Eldorado. 
See  Batesville. 
Bk.  of  Fayetteville. 
Bk.  of  Eastern  Arkansas. 
First  Nat'l  Bk. 
See  Arkansas  City. 
See  Camden. 
See  Jonesborough. 
Boone  Co.  Bk. 
See  Searcy. 
First  Nat'l  Bk. 
Arkansas  Nat'l  Bk. 
Madison  Co.  Bk. 
See  Harrison. 
Bk.  of  Jonesboro. 
See  Monticello. 
Citizens'  Bk. 
At  Nashville,  Howard  Co. 
See  Little  Rock. 
Columbia  Co.  Bk. 
Bk.  of  Malvern. 
Lee  Co.  Bk. 
At  Memphis,  Tenn. 
See  Yellville. 
See  Batesville. 
Monticello  Bk. 
Bk.  of  Morrillton. 
See  Yellville. 
See  Batesville. 


Cashier. 

W.  E.  Barkman. 
Henry  Thane. 
L.  J.  Stacy. 
Jno.  Q.  Wolf. 
Jno.  G.  Still. 
Jas.  M.  Bohart. 
W.  R.  Hamilton. 
W.  K.  Ramsey. 
D.  P.  Terry. 
J.  W.B.Robinson. 
Cortis  L.  Pyle. 

D.  R.  Fones. 
W.  D.  Polk. 

J.  B.  Crownover. 
J.  W.  Underwood. 

E.  H.  Smith. 

H.  L.  Gregg. 
Chas.  H.  Sanders. 
Jno.  Vaile. 


H.  C.  King. 

S.  S.  Faulkner. 
Chas.  N.  Rix. 
W.  T.  Brooks. 

S.  A.  Warner,  Jr. 

J.  E.  England. 
D.  P.  Terry. 

J.  C.  McNeill. 
F.  M.  Smith. 
R.  H.  Nail. 


R.  F.  Hyatt. 
W.  J.  Stowera. 


12 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


ARKANSAS— CONTINUED. 


County  Seat.          County. 

Mount  Ida Montgomery 

Mu  rfreesboro.  .Pike. 
New  IiOulsv'le.La  Fayette. 

Newport Jackson. 

Osceola Mississippi. 

Ozark Franklin. 

Paragould Greene. 

Paris Logan. 

Perry  ville Perry. 

Pine  ISluiT. Jefferson. 

Pocahontas — Randolph. 

Po  what  a  11 Lawrence. 

Prescott Nevada. 

Princeton Dallas. 

Richmond Little  River. 

IS  iso  11 Cleveland. 

llussellvllle Pope. 

Salem Fulton. 

Searcy White. 

Sheridan Grant. 

Star  City Lincoln. 

Tex  ark  ana Miller. 

Van  Itiiren Crawford. 

Vanndale Cross. 

Waldron Scott. 

Warren Bradley. 

Washington. .  .Hempstead. 
ITellvllle Marion. 


Name  of  Atty. 
.Watkins  &  Witt. 
J.C.Pinnix. 
King  &  Searcy. 
Jno.  W.  &  Jos.  M.  Stayton. 
S.  S.  Semmes. 
W.  W.  &  Geo.  A.  Mansfield. 
Block  &  Sullivan. 
Jackson  &  White. 
J.  F.  Sellers. 
N.  T.  White. 
P.  H.  Crenshaw. 
Robert  P.  Mack. 

C.  C.  Hamby. 
R.  T.  Fuller. 

J.  C.  &  H.  C.  Head. 

Atty.  &  Bk.,  see  Pine  Bluff. 

Davis  &  Son. 

Robert  P.  Maxey. 

Jno.  T.  Hicks. 

T.  B.  Morton. 

D.  H.  Rousseau. 
Arnold  &  Cook. 
Miles  &  Miles. 
T.  E.  Hare. 

W.  W.  Wallis. 

W.  R.  Quinney. 

A.  B.  &R.  B.Williams. 

J.  C.  Floyd. 


Name  of  Bank.  Cashier. 

See  Hot  Springs. 
See  Prescott. 

Citizens'  Bk.  P.  E.  McRae. 

Bk.  of  Newport.  R.  M.  Johnson. 

Bk.  of  Osceola.  Jas.  L.  Hale. 

Arkansas  Valley  Bk.  J.  B.  Carter. 

Greene  Co.  Bk.  W.  H.  Ritter. 

Bk.  of  Paris.  W.  R.  Cherry. 
See  Morrillton. 

Merchants'  &  Planters'  Bk.  F.  H.  Head. 
At  Black  Rock,  Bk.  of  Black  Rock.  Jay  J.  Bryan. 
At  Black  Rock,  Bk.  of  Black  Rock.  Jay  J.  Bryan. 

Nevada  Co.  Bk.  O.  B.  Gordon. 

At  Fordyce,  Bk.  of  Fordyce.  C.  McKee. 

At  Hope,  Hempstead  Co.  Bk.  T.  H.  simms. 

First  National  Bk.  Jas.  E.Battenfleld 

See  Yellville. 

People's  Bk.  T.  B.  Paschall. 

See  Pine  Bluff. 

See  Pine  Bluff. 

At  Texarkana,  Texas. 

Citizens'  Bk.  R.  E.  Brown. 

At  Wynne,  Cross  Co.  Bk.  J.  R.  Perkins. 

See  Paris. 

Merchants  &  Planters  Bk.  I.  J.  Adair. 

See  Prescott. 

Bk.  of  Yellville.  A.  S.  Layton. 


DIGEST  OF  ARKANSAS  COMMERCIAL  LAWS. 

Assignments. — Assignments  can  be  made  of  any  property,  real,  personal  or  mixed,  or 
choses  in  action,  for  the  payment  of  debts.  No  preferences  are  allowed. 

Attachments. — Attachments  may  issue  when  defendant  is  a  foreign  corporation  or  non- 
resident of  the  State,  or  has  been  absent  from  the  State  four  months,  or  has  departed 
from  the  State  with  intent  to  defraud  his  creditors,  or  has  left  the  county  of  his 
residence  to  avoid  the  service  of  summons,  or  conceals  himself  that  summons  cannot 
be  served  upon  him,  or  is  about  to  remove  or  has  removed  his  property,  or  a 
material  part  thereof,  out  of  the  State,  not  leaving  enough  therein  to  satisfy  the 
claims  of  defendant's  creditors,  or  has  sold,  conveyed  or  otherwise  disposed  of  his 
property,  or  suffered  or  permitted  the  same  to  be  sold,  with  the  fraudulent  intent  to 
cheat,  hinder  and  delay  his  creditors,  or  is  about  to  sell,  convey,  or  otherwise  dis- 
pose of  his  property  with  such  intent.  But  attachments  will  not  be  granted  against 
a  defendant  on  the  ground  that  he  is  a  non-resident,  except  in  actions  arising  upon 
contract. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  13 

x 

ARKANSAS— CONTINUED. 

Bank  Laws. — Any  number  of  persons,  not  less  than  three,  may  form  a  banking  corpora- 
tion. Those  proposing  to  form  such  a  body  must  elect  a  board  of  directors,  a  presi- 
dent, secretary  and  treasurer,  and  adopt  articles  of  association,  which  must  be  filed 
with  the  Secretary  of  State  and  with  the  clerk  of  the  county  in  which  the  corpora- 
tion is  to  transact  business,  together  with  a  certificate  setting  forth  the  purpose  for 
which  the  corporation  is  formed,  the  amount  of  its  capital  stock,  the  amount  paid 
in,  the  names  of  the  stockholders,  and  the  number  of  shares  held  by  each.  Stock- 
holders are  only  liable  for  the  par  value  of  the  stock  respectively  held  by  them. 
Reports  are  required  to  be  made  showing  the  financial  condition  of  the  bank 
annually  to  the  county  clerk,  and  by  him  recorded  in  a  book  kept  for  that  purpose, 
and  a  failure  to  make  these  reports  renders  the  president  and  secretary  individually 
liable  for  all  debts  of  the  bank  during  the  period  of  such  failure. 

Exemption*. — The  homestead  outside  of  any  city,  town  or  village,  shall  consist  of  not 
exceeding  160  acres  of  land,  with  the  improvements  thereon,  to  be  selected  by  the 
owner,  not  to  exceed  in  value  the  sum  of  $2,500  ;  and  in  no  event  shall  the  home- 
stead be  reduced  to  less  than  eighty  acres  without  regard  to  value.  The  homestead 
in  any  city,  town,  or  village,  shall  consist  of  not  exceeding  one  acre  of  land,  with 
the  improvements  thereon,  to  be  selected  by  the  owner,  not  to  exceed  in  value  the 
sum  of  $2,500,  and  in  no  event  shall  such  homestead  be  reduced  to  less  than  one- 
quarter  of  an  acre  of  Ian- 1,  without  regard  to  value.  Unmarried  persons  are 
entitled  to  $200,  and  married  persons  and  heads  of  families  to  $500  of  persona 
property. 

Interest. — Legal  rate  is  6  per  cent.,  but  contracts  may  be  made  for  any  rate  not  exceeding 
10  per  cent. ;  usury  forfeits  principal  and  interest. 

Legal  Holidays. — Sunday,  July  4,  Christmas  and  Thanksgiving,  January  1,  February 
22,  Birthday  of  Lee. 

Limitation  of  Actions. — Accounts,  three  years  ;  notes  and  sealed  instruments,  five 
years  (sealed  instruments  executed  prior  to  March  2i>,  1889,  ten  years)  ;  judgments, 
ten  years.  A  written  acknowledgment  of  indebtedness  and  promise  to  pay,  or  a 
part  payment,  revives  the  debt.  Limitations  of  actions  for  the  recovery  of  real 
estate,  seven  years.  Suits  to  foreclose  mortgages  or  trust  d.eeds  are  barred,  unless 
brought  within  a  period  of  limitation  fixed  by  law  for  suit  on  the  debt  or  liability 
for  the  security  of  which  they  are  given. 

Married  Women. — All  property  of  a  married  women,  whether  acquired  before  or  after 
marriage,  by  gift,  grant,  inheritance,  devise  or  otherwise,  shall  remain  her  sole 
property  so  long  as  she  wills.  Said  property  is  not  liable  for  her  debts  or  contracts, 
unless  said  debts  and  contracts  were  made  with  special  reference  to  its  being  liable. 

Notarial  Fees. — Protest,  $1.65  ;  fifty  cents  each  notice  ;  twenty-five  cents  seal  and  post- 
age. 

Notes  and  Bills  of  Exchange.— The  general  rules  of  commercial  law  prevail. 
Notes  to  be  negotiable  must  be  expressed  to  be  for  value  received.  Three  days  of 
grace  are  allowed.  Paper  due  on  holidays  becomes  payable  on  the  preceding  day. 
Protests  are  in  common  form  and  made  by  notary  public.  Acceptances  thereof 
must  be  in  writing.  Any  person  upon  whom  a  bill  of  exchange  is  drawn  and  to 
whom  the  same  may  be  delivered  for  acceptance,  who  destroys  such  bill,  or  refuses 
within  twenty-four  hours  after  such  delivery,  or  within  such  time  as  the  holder 
may  allow  to  return  the  bill  accepted  or  unaccepted  to  the  holder  is  deemed  to  have 


14  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

» 

ARK  AN  S  AS— CONTINUED. 

accepted  the  same.  Damages,  2  per  cent,  on  domestic  bills,  and  on  foreign,  if 
payable  in  certain  named  states,  4  per  cent. ;  other  points  in  United  States,  5  per 
cent.  Outside  United  States,  10  per  cent.  Bills  of  exchange  protested  for  non-pay- 
ment or  non-acceptance  bear  interest  at  the  rate  of  10  per  cent,  per  annum. 

Stay  of  Execution. — Three  months  by  giving  good  security. 

Tran§fer  of  Corporation  Stocks. — Stock  of  corporations  can  only  be  legally  trans- 
ferred by  endorsement  on  back  of  stock,  and  by  transfer  on  the  books  of  the  cor- 
poration, and  when  any  stockholder  shall  transfer  his  stock,  a  certificate  of  such 
transfer  shall  forthwith  be  deposited  with  the  county  clerk,  and  no  transfer  of  stock 
shall  be  valid  as  against  any  creditor  of  such  stockholder  until  such  certificate 
shall  have  been  so  deposited. 


THE    LEGAL   AND   FINANCIAL   LIGHTT   OF   AMERICA. 


15 


CALIFORNIA. 


County  Seat.         County.  Name  of  Atty. 

Alt  lira* Modoc.  D.  W.  Jenks. 

Auburn Placer.  Ben.  B.  Tabor. 

Bakemfleld — Kern.  B.  Brundage. 

Bridgeport Mono.  W.  0.  Parker. 

Colusa Colusa.  H.  M.  Albery. 

Crescent  City.. Del  Norte.  W.  A.  Hamilton. 

Do wiiie vllle. . .  Sierra.  Stanley  A.  Smith. 

Eureka Humboldt.      Sevier  Bros. 

Falrfleld Solano.  G.  A.  Lamont. 

Fresno Fresno.  Geo.  E.  Church. 

Haiiford Kings.  Newman  Jones. 

Holllst er San  Benito.    Briggs  &  Hudner. 

Independence  loyo.  D.  W.  Forbes. 

Jackson Omador.          A.  C.  Brown. 

Lakeport Lake.  M.  S.  Sayre. 

Los  A ngelcs.  ..Los  Angeles.  Allen  &  Flint. 

Madera Madera.  F.  H.  Short. 

Marlposa Mariposa.       L.  F.  Jones. 

Martinez Contra  Costa. W.  S.  Wells. 

Marysvllle Yuba.  Forbes  &  Dinsmore. 

Merced Merced.          T.  C.  Law. 

Modesto Stanislaus.      C.C.Wright. 

Napa Napa.  Denn  s  Spencer. 

Nevada  City... Nevada.          Fred.  Searles. 

Oakland Alameda.        Metcalf  &  Metcalf. 

Oro vllle  ........ .Butte.  J.  M.  McGill. 

Placervllle  ....Eldorado.       Williams  &  Witmer. 

QuiiK-y Plamas.          E.  F.  Hogan. 

Red   HI  11 II*. Tehama.          N.  P.  Chipman. 

Redding Shasta.  Aaron  Bell. 

Redwood  City.San  Mateo.     Geo.  C.  Ross. 

Rlverhlde Riverside.       Purington  &  Adair. 

Sacramento  ...Sacramento.   W.  F.  George. 
Salinas  City . . .  .Monterey.       W.  M.  R.  Parker. 
San  Andreas  ..Calaveras.       J.  H.  Reed. 
SAN  BERNARDINO  .S.Bernardino.E.  E.  Rowell. 

San  Diego San  Diego.      M.  A.  Luce. 

San  Franclsco.SanFranciscoNorman  H.  Hurd. 

San  Jose Santa  Clara.    Wilcox  &  Coolidge. 

SAN  LUIS  OBISPO.S.LuisObispo.W.  H.  Spencer. 

San  Rafael Marin.  Hepburn  Wilkins. 

Santa  Anna Orange.  E.  E.  Keech. 

Santa  BarbaraSantaBarbaraE.  B.  Hall. 

Santa  Cruz Santa  Cruz.    C.  B.  Younger. 

Santa   Kosa Sonoma.         Rutledge  &  Pressley. 


Name  of  Bank. 

At  Cedarville. 

Bk.  of  Cresslar  &  Bonner. 

Placer  Co.  Bk. 
Bk.  of  Bakersfield. 
See  Madera. 
Colusa  Co.  Bk. 
See  Yreka. 

At  Forest  City, 

Bk.  of  Chas.  Heintzen. 

Randall  Bnkg.  Co. 

At  Vallejo,  Vallejo  Coml.  Bk. 

First  Natl.  Bk. 

Farmers'  &  Merch.  Bk. 

Bk.  of  Hollister. 

See  Visalia. 

At  Lodi,  Bk.  of  Lodi. 

Bk.  of  Lake. 

Farmers1  &  Merch.  Bk. 

Coml.  Bk.  of  Madera. 

See  Merced. 

Bk.  of  Martinez. 

Rideout  Bk. 

Coml.  Savg.  Bk. 

Modesto  Bk. 

Bk.  of  Napa. 

Citizens1  Bk. 

Central  Bk. 

Bk.  of  Rideout,  Smith  &  Co. 

Bk.  of  A.  Mierson. 

See  Oroville. 

Bk.  of  Tehama  Co. 

Bk.  of  Shasta  Co. 

Bk.  of  San  Mateo  Co. 

Orange  Growers'  Bk. 

Natl.  Bk.  of  D.  0.  Mills  &  Co. 

Salinas  City  Bk. 

See  Stockton. 

Farmers'  Exchange  Bk. 

Bk.  of  Commerce. 

Bk.  of  California. 

First  Natl.  Bk. 

Andrews  Bkg.  Co 

Bk.  of  A.  P.  Hotaling. 

First  Natl.  Bk. 

Santa  Barbara  Co.  Natl.  Bk. 

City  Bk. 

Santa  Rosa  Natl.  Bk. 


Cashier. 

T.  J.  Nichols. 
J.  J.  Mack. 

W.  P.  Harrington. 


J.  S.  Murray. 
Jos.  R.  English. 

E.  A.  Walroud. 

B.  A.  Fassett. 
T.  W.  Hawkins. 

F.  Cogswell. 
W.  E.  Greene. 
J.  Milner. 

E.  H.  Cox. 

H.  M.  Hale. 

C.  S.  Brooks. 
M.  S.  Huffman. 
J.  R.  Bronghton. 
Henry  Brown. 
Jno.  T.  Morgan. 
C.  R.  Yates. 

E.  W.  Fogg. 
Max  Mierson. 

W.  B.  Gaboon. 
C.  C.  Bush. 
L.  P.  Behrens. 
H.  T.  Hays. 
C.  F.  Dillman. 
W.  S.  Johnson. 

S.  F.  Zombro. 
C.  W.  Jorres. 
Thomas  Brown. 

L.  G.  Neemith. 
J.  W.  Smith. 
S.  M.  Augustine. 
J.  A.  Turner. 

E.  8.  Sheffield. 
W.  D.  Haslam. 

F.  A.  Brush. 


16 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 


CALIFORNIA— CONTINUED. 


County  Seat.          County. 

Sonora Tuolumne. 

Stockton SanJoaquin. 

Susan  ville Lassen. 

Uklali Mendocino. 

Ventura Ventura. 

Visalia Tulare. 

"Weaver  ville . .  .Trinity. 

"Willows Glenn. 

"Woodland Yolo. 

Yreka Siskiyou. 

Ynba  City Sutler. 


Name  of  Atty. 
Street  &  Street. 
Baldwin  &  Thompson. 
Goodwin  &  Goodwin. 
J.  A.  Cooper. 
Barnes  &  Selby. 
Daggett  &  Adams. 
J.B.  Philbrook. 
Dudley  &  Long. 
Frank  E.  Baker. 
Jas.  F.  Farraher. 
M.  E.  Sanborn. 


Name  of  Bank. 
See  Modesto. 
Farmers'  &  Merch.  Bk. 
Bk.  of  Lassen  Co. 
Bk.  of  Ukiah. 

Bk.  of  Wm.  Collins  &  Son. 
Bk.  of  Visalia. 
Bk.  of  C.  W.  Smith. 
Bk.  of  Willows. 
Bk.  of  Yolo. 
Siskiyou  Co.  Bk. 
Farmers'  Co-operative  Union. 


Cashier. 

C.  H.  Keagle. 
H.  W.  Meylert. 
Samuel  Wheeler. 
Jno.  S.  Collins. 
C.  J.  Giddings. 

B.  H.  Barton. 

C.  W.  Bush. 

F.  E.  Wadsworth. 
C.  R.  Boyd. 


DIGEST  OF  CALIFORNIA  COMMERCIAL  LAWS. 

Assignments. — An  insolvent  debtor  may,  in  good  faith,  execute  an  assignment  of 
property  to  one  or  more  assignees,  in  trust,  for  the  satisfaction  of  his  creditors.  A 
debtor  is  insolvent  when  he  is  unable  to  pay  his  debts  from  his  own  means  as  they 
become  due.  A  debtor  may  pay  one  creditor  in  preference  to  another,  or  may  give 
one  creditor  security  for  the  payment  of  his  demand  in  preference  to  another. 

Attachments. — An  attachment  may  issue  in  an  action  upon  a  contract,  express  or 
implied,  for  the  direct  payment  of  money,  where  the  contract  is  made  or  payable 
in  this  State,  and  is  not  secured  by  any  mortgage  or  lien  upon  real  or  personal 
property,  or  any  pledge  of  personal  property,  or,  if  originally  so  secured,  such 
security  has,  without  act  of  the  plaintiff  or  the  person  to  whom  the  security  was 
given,  become  valueless.  In  an  action  upon  a  contract,  expressed  or  implied, 
against  a  defendant  not  residing  in  this  State. 

Bank  Law*. — Corporations  may  be  formed  under  the  general  laws  for  banking  purposes. 
No  corporation,  association,  or  individual  shall  issue  or  put  in  circulation  as  money 
anything  but  the  lawful  money  of  the  United  States.  Bank  commissioners  must 
annually  examine  the  affairs  of  all  banks.  All  banks  are  required  to  make  semi- 
annual reports  to  the  bank  commissioners  on  the  20th  of  January  and  the  20th  of 
July.  There  must  be  published  semi-annually  a  statement  of  the  capital, 
condition  and  assets  of  every  bank  or  banker.  Every  banking  corporation  must 
keep  in  its  office,  in  a  place  accessible  to  its  stockholders,  depositors,  and  creditors, 
a  book  containing  a  list  of  its  stockholders,  and  the  number  of  shares  held  by  each. 
It  must  also  post  in  a  conspicuous  place  in  its  office  a  notice  signed  by  the  president 
or  secretary,  giving  the  names  of  the  directors  of  the  corporation  and  the  number 
and  value  of  shares  held  by  each.  The  capital  must  be  paid  in  money.  The 
directors  of  a  bank  making  a  false  statement  in  the  above  mentioned  certificates 
shall  be  liable  personally  to  the  persons  thereafter  doing  business  with  the 
bank.  All  foreign  banking  corporations  must  make  similar  statements  to  those 
required  by  local  banks,  verified  by  the  agent  or  manager  of  the  business,  resident 
in  California,  and  he  shall  be  subject  to  the  same  liabilities  provided  against 
directors  and  officers  for  false  statements.  No  bank  failing  to  comply  with  the 
provisions  of  this  law  can  prosecute  any  action  in  the  courts.  There  is  no  limitation 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  17 

CALIFORNIA— CONTINUED. 

of  the  right  to  sue  a  bank,  banker,  trust  company,  saving8  or  loan  association  for 
money  or  property  deposited  with  them. 

Exemptions. — The  head  of  a  family  is  entitled  to  a  homestead  not  exceeding  $5,000 ;  one 
not  a  head  of  a  family  to  a  homestead  not  exceeding  $1,000  in  value. 

Interest. — Legal  rate  is  7  per  cent,  per  annum,  but  any  rate  may  be  contracted  for.  There 
are  no  usury  laws. 

Legal  Holidays. — Sunday,  January  1,  February  22,  May  80,  July  4,  September  9, 
December  25,  any  public  fast,  Thanksgiving,  Labor  Day,  State  or  General 
Election  Day. 

Limitation  of  Aetion§. — Upon  a  judgment  and  for  mesne  profits  of  real  property, 
"five  years  ;  upon  any  contract,  obligation  or  liability  founded  upon  an  instrument 
in  writing,  executed  in  this  State,  four  years ;  upon  a  liability  created  by  statute 
other  than  a  penalty  or  forfeiture,  for  trespass  upon  real  property  ;  for  taking, 
detaining  or  injuring  any  goods  or  chattels,  including  actions  for  the  specific  recov- 
ery of  personal  property  ;  for  relief  on  the  ground  of  fraud  or  mistake,  and  the 
cause  of  action  does  not  accrue  until  the  discovery  of  fraud  or  mistake,  three  years; 
upon  a  contract,  obligation  or  liability  not  founded  upon  an  instrument  of  writing, 
or  founded  upon  an  instrument  of  writing  executed  out  of  this  State,  two  years. 

Married  Women.— No  special  law. 

Notarial  Fees. — Protest  $4.00,  and  $1.00  for  each  endorser  additional. 

Notes  and  Bills  of  Exchange. — Bills  of  exchange  and  promissory  notes,  bank  notes, 
checks,  bonds,  and  certificates  of  deposit  are  negotiable  instruments.  Paper  matur- 
ing on  a  holiday  becomes  payable  the  business  day  after.  Days  of  grace  not 
allowed.  Acceptances  must  be  in  writing  by  the  drawee  or  by  an  acceptor  for 
honor,  and  may  be  made  by  the  acceptor  writing  his  name  across  the  face  of  the 
bill  with  or  without  other  words.  The  acceptance  of  a  bill  of  exchange  by  a  sep- 
arate instrument  binds  the  acceptor  to  one,  who,  upon  the  faith  thereof,  has  the 
bill  for  value  or  other  good  consideration.  The  protest  of  a  notary  under  his  hand 
and  official  seal,  is  prima  fade  evidence  of  the  facts  contained  therein.  A  bill  of 
exchange,  if  accepted  with  the  consent  of  the  owner  by  a  person  other  than  the 
drawee,  or  an  acceptor  for  honor,  becomes,  in  effect,  the  promissory  note  of  such 
person,  and  all  prior  parties  thereto  are  exonerated.  If  a  promissory  note,  payable 
on  demand  or  at  sight,  without  interest,  is  not  duly  presented  for  payment  within 
six  months  from  its  date,  the  indorsers  thereof  are  exonerated,  unless  such  presenta- 
tion is  excused. 

Stay  of  Executions. — It  is  within  the  power  of  the  court  to  grant  a  stay  for  a  reason- 
able time. 

Transfer  of  Corporation  Stocks. — By  endorsement,  delivery  and  transfer  on 
books  of  corporation. 


18 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 


County  Seat.          County. 

Akron Washington. 

Aspen Pitkin. 

Boulder Boulder. 

Breckeiirld  ge .  Summit. 
Hue  11  a  Vista. .  .Chaffee. 

Burlington Kit  Carson. 

Canon  City Fremont. 

Castle  Rock  . .  .Douglas. 


COLORADO. 

NameofAtty.  Name  of  Bank.  Cashier. 

Muntzing  &  Skelton.  Bk.  of  Akron.  R.  H.  Northcott. 

E,  C.  Stimson.  First  Natl.  Bk.  Thos.  6.  Lyeter. 

B.  M.  Williams.  First  Natl.  Bk.  W.  H.  Thompson. 

W.  M.  Clark.  Engle  Bros.  Exchange  Bk.  Geo.  Engle. 

G.  K.  Hartenstein.  Bk.  of  Buena  Vista.  A.  C.  Wallace. 

T.  J.  Edwards.  Bk.  of  Burlington.  Chas.  E.  Paris. 

Chas.  D.  Bradley.  First  Natl.  Bk.  A.  M.  Hawley. 

A.  G.  Webster.  See  Denver. 

Central  City  ...Gilpin.  Chas.  Withrow.  First  Natl.  Bk.  F.  H. Messinger. 

CHEYENNE  WELLS.Cheyenne.      Chas    H.  Farrell.  Cheyenne  Co.  Bk.  W.  L.  Patchen. 

Colorado 

Springs.  .£1  Paso.         H.  M.  Black.  First  Natl.  Bk.  J.  A.  Hayes. 

Conejos Conejos          J.  W.  Hughes.  At  Alamosa,  First  Natl.  Bk.  Wm.  F.  Boyd. 

Cortez Montezuma.    C.  W.  Blackmer.  At  Dolores.  J  no. J.  Harris  &  Co.'s  Bk. 

Del  Norte Rio  Grande.    E.F.Richardson.  Bk.  of  Del  Norte.  J.  G.  Huntington. 

Delta Delta.  King  &  Robertson.  Delta  Co.  Bk.  E.  L.  Kellogg. 

Denver Arapahoe.       Benedict  &  Phelps.  American  Natl.  Bk.  H.Evans. 

Dnrango LaPlata.        Russell  &  Ritter.  First  Natl.  Bk.  Wm.P.Vaile. 

Fair  Play Park.  Chas.  A.  Wilkin.  At  Alma,  Bk.  of  Alma.  J.  H.  Singleton. 

Fort  Collins... Larimer.          Robinson  &  Love.  First  Natl.  Bk.  G.  A.  Webb. 

Fort  Morgan.  .Morgan.          Wm.  A.  Hill.  State  Bk.  of  Ft.  Morgan.  Jno.  T.  Ross. 

Georgetown  ...Clear  Creek.  A.  D.  Bullis.  Bk.  of  Georgetown.  H.  Seifried. 

Glenwood 

Springs.. Garfield.          J.T.Shumate.  First  Natl.  Bk.  J.  H.  Fessler. 

Golden Jefferson.        W.  A.  Dier.  Bk.  of  Woods.  Wilson  &  Rub ey. 

GRAND  JUNCTION.. Mesa.  W.S.Wallace.  First  Natl.  Bk.  J.  F.  McFarland. 

Greeley Weld.  McCreery  &  Todd.  Greeley  Natl.  Bk.  Chas.H.  Wheeler. 

Gunnlson Gunnison.       T.  C.  Brown.  First  Natl.  Bk.  E.  P.  Shove. 

Hall  11 '8  Peak..  Rout.  R.G.Wallace.  At  Craig,  Bk.  of  Craig.  C.A.Seymour. 

Holyoke Phillips.         W.  D.  Kelsey.  Farmers  &  Merchants  Bk.  S.  Z.  Peck. 

Hot  S 11  Jpli iii- 
Sprlngs.. Grand.  Morrison  &  Filius.  See  Georgetown. 

Hugo Lincoln.         James  Reeves.  See  Denver. 

Julesburg Sedgwick.       J.  S.  Carnahan.  Citizens' Bk.  E.D.Hamilton. 

Klowa Elbert.  See  Castle  Rock.  See  Denver. 

Lake  City Hinsdale.        Chas.  McDougal.  Miners  &  Merchants  Bk.  Henry  Derst. 

La  Junta Otero.  Fred.  A.  Sabin.  La  Junta  State  Bk.  M.  Z.  Farwell. 

Lamar Prowers.         C.  C.  Goodale.  First  Natl.  Bk.  W.C.Gould. 

Las  Anlinas...Bent.  Allen  M.  Laoibright.  Bent  Co.  Bk.  P.G.Scott. 

Leadvllle Lake.  John  A.  Ewing.  Carbonate  Natl.  Bk  Geo.  W.  Trimble. 

Meeker Rio  Blanco.    M.T.Ryan.  Bk.  of  Meeker.  A.  C.  Moulton. 

Montrose Montrose.       Sherman  &  Twitched.  First  Natl.  Bk.  E.  L.  Osborn. 

On  ray Ouray.  Story  &  Stevens.  Miners  &  Merchants  Bk.  E.  J.  Bent. 

PAGOSA  SPRINGS.. Archuleta.      See  Durango.  See  Durango. 

Pueblo Pueblo.  Chas.  E.  Gast.  First  Natl.  Bk.  R.  F.  Lytle. 

Red   ClIflT. Eagle.  C.K.Phillips.  See  Leadville. 

Rico Dolores.          J.  H.  Pulliam.  Rico  State  Bk.  T.  F.  Neeley. 

Saguache Saguache.       Chas.  B.  Phillips.  Saguache  Co.  Bk.  Chas.  Tarbell. 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


19 


COLORADO— CONTINUED. 


County  Seat.          County. 

San  LiUls Costilla. 

Sberldan  LakeKiowa. 
Silver  Cliffs.... CuBter. 

Sllverton San  Juan. 

Springfield Baca. 

Sterling Logan. 

Toll uride San  Miguel. 

Trinidad Las  Animas. 

Walsenbnrg. .  .Huerfano. 

Waso  11 Mineral. 

Y  ii  in  11  .  ..Yuina. 


Name  of  Atty. 
See  Trinidad. 
J.  S.  Booker. 
H.  Townsend. 

Edgar  Buchanan. 
J.  W.  White. 
H.  D.  Hinkley. 
S.  R.  Fitzgerald. 
W.  B.  Morgan. 
J.  A.  J.  Valdes. 
M.  S.  Beale. 
Barnes  &  Muntzing. 


Name  of  Bank. 
See  Walsenburg. 
Citizens  Bk. 

At  Westcliffe, 

Bk.of  H.  H.  Tompkins  &  Co. 

First  Natl.  Bk. 

See  Lamar. 

Logan  Co.  Bk. 

Bk.  of  Telluride. 

First  Natl.  Bk. 

Bk.  of  Fred.  Walsen. 

At  Creede,  First  Natl.  Bk. 

Bk.  of  Yuma. 


Cashier. 

J.  H.  Slater. 

G.  B.  Beardsley. 
J.  H.  Werkheiser. 

L.  T.  Gillett. 
W.  E.  Wheeler. 
H.  J.  Alexander. 
P.  E.  Moss. 
J.  E.  Black. 
B.  F.  Durham. 


DIGEST  OF  COLORADO  COMMERCIAL  LAWS. 

Assignments. — Assignments  must  be  made  for  the  benefit  of  all  creditors.  No  prefer- 
ences are  allowed. 

Attachments. — Suit  may  be  brought  by  attachment  on  overdue  accounts  and  overdue 
paper  for  the  direct  payment  of  money,  and  where  the  defendant  is  a  non-resident 
of  this  State,  and  in  certain  other  cases,  and  upon  debts  not  yet  due  where  fraud  on 
the  part  of  the  defendant  alleged  and  proven  ;  but  the  plaintiff  must  give  bond  in 
double  the  amount  claimed  for  all  damages  in  case  the  suit  was  improvidently  com- 
menced. 

Bank  Law*. — Any  number  of  persons,  not  less  than  three,  may  establish  a  bank  of  dis- 
count and  deposit,  and  savings  bank,  or  a  trust,  deposit  and  security  association 
in  this  State  under  the  general  corporation  laws  of  the  State.  Capital  stock  must 
not  be  less  than  $30,000,  fifty  per  cent,  to  be  paid  in  before  opening,  and  the  bal- 
ance within  one  year  thereafter.  Shareholders  in  all  banks  in  this  State  are  held 
individually  liable  for  all  obligations  of  the  bank,  in  double  the  amount  of  the  par 
value  of  the  stock  owned  by  them  respectively. 

Exemptions. — Every  householder,  being  the  head  of  a  family,  is  entitled  to  a  homestead 
exempt  from  execution  and  attachment,  not  exceeding  the  value  of  $2,000.  The 
homestead  may  consist  of  a  house  and  lots  in  any  town  or  city,  or  a  farm  of  any 
number  of  acres  not  exceeding  the  homestead  value.  Also  personal  property,  tools, 
etc.,  to  the  value  of  $500  ;  persons  not  heads  of  families  are  entitled  to  $300  of  tools, 
working  animals  and  stock  in  trade. 

Interest. — Legal  rate  is  8  per  cent,  per  annum,  but  parties  may  contract  for  any  other  or 
higher  rate.  There  are  no  usury  laws. 

Legal  Holidays. — Sunday,  January  1,  February  22,  May  30,  July  4,  December  25, 
Thanksgiving,  Labor  Day,  and  Saturday  afternoons  during  June,  July  and 
August. 


20  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

COLOEADO— CONTINUED. 

Limitation  of  Actions. — All  actions  on  contracts,  judgments  of  courts  of  record,  for 
arrears  of  rent,  for  waste  or  trespass  on  land,  replevin,  all  actions  which  would  have 
been  on  the  case  at  common  law,  must  be  commenced  within  six  years.  Actions  for  a 
balance  upon  an  open  account  in  six  years  after  the  last  item.  Limitations  apply  to 
set  off  as  well  as  demand.  In  actions  accruing  outside  the  State  on  contracts,  sealed 
instruments  or  judgments  more  than  six  years  before  the  commencement  of  the 
the  action  the  statute  of  limitation  may  be  pleaded  in  bar. 

Married  Women. — A  married  woman  may  acquire  and  hold  real  and  personal  property 
independently  of  her  husband,  and  not  subject  to  his  debts.  She  may  sue  and  be 
sued  in  her  own  name,  and  convey  her  separate  estate  without  the  husband  joining 
in  the  deed.  The  right  of  dower  is  abolished. 

Notarial  Fees. — Protest,  $1.75,  and  for  notices  fifty  cents  each. 

Notes  and  Bills  of  Exchange. — Bills  of  exchange,  notes,  etc.,  are  assignable  by 
indorsement,  and  the  assignee  may  maintain  the  same  kind  of  an  action  against  the 
maker  as  could  have  the  payee.  A  non-negotiable  note  cannot  be  made.  No  maker 
of  any  note,  bond,  etc.,  shall  be  allowed  to  allege  payment  to  the  payee  made  after 
notice  of  assignment  as  a  defense  against  the  assignee.  Three  days'  grace  on  bills 
of  exchange  and  notes  by  contract.  None  on  sight  drafts  or  checks.  Paper  matur- 
ing on  holiday  is  payable  the  day  previous.  Protest  necessary  on  bills  of  exchange 
drawn  in  this  State  upon  non-residents.  Damages  for  non-acceptance  or  non-pay- 
ment, 10  per  cent. 

Transfer  of  Corporation  Stocks. — The  shares  of  stock  shall  not  be  less  than  $1.00, 
nor  more  than  $100  each,  and  shall  be  deemed  personal  property,  and  transferable 
as  such  in  the  manner  provided  by  the  By-Laws.  Transfers  and  pledges  of  stock 
must  be  entered  upon  the  books  of  the  company.  The  practice  is  to  endorse  trans- 
fer on  back  of  stock,  and  also  to  note  transfer  on  books  of  the  company. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


21 


CONNECTICUT. 


County  Seat. 
Bridgeport.... 

Brooklyn 

Hartford 

Lltclineld 

TOlddletown.. 
New  Haven. . . 
New  London. 
Tolland . . . 


County.  Name  of  Ally. 

.Fairfield.  Hollister  &  Kelsey. 

.Windham.  H.  C.  Atwood. 

.Hartford.  Hyde,  Joslyn  &  Gilman. 

.Litchfield.  Jno.  T.  Hubbard. 

.Middlesex.  Arthur  B.  Calef,  Jr. 

.Ne\v  Haven.  Morris  &  Tyler. 
.New  London. Chas.  W.  Butler. 

.Tolland.  Edwin  S.  Argard. 


Name  of  Sank. 
First  Natl.  Bk. 
Brooklyn  Savings  Bk. 
Aetna  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
Natl.  Tradesmen's  Bk. 
Natl.  Bk.  of  Commerce. 
Savings  Bk.  of  Tolland. 


Cashier. 

O.  H.  Brothwell. 
C.  A.  Potter. 
A.  Spencer,  Jr. 
Chas.  E.  Wilson. 

E.  G.  Camp. 
W.  T.  Fields. 
Geo.  B.  Brest. 

F.  T.  Newcomb. 


DIGEST  OF  CONNECTICUT  COMMERCIAL  LAWS. 

Assignment*. — Assignments  in  insolvency  are  made  to  an  assignee. 

Attachments. — Attachments  are  by  rnesne  or  foreign  process.  They  are  made  upon 
the  personal  or  real  property  of  defendant,  or  upon  his  body  if  the  cause  of  action 
permits  it.  Wages  to  the  extent  of  $50  are  exempt  from  attachment. 

Bank  Laws. — Banks  cannot  be  organized  in  this  State  except  by  special  charter  of  the 
Legislature.  There  are  two  Bank  Commissioners,  appointed  by  the  Governor,  with 
the  advice  and  consent  of  the  Senate  ;  and  they  have  full  power  to  at  any  time 
visit  each  bank  and  examine  its  affairs,  and  are  required  so  to  do  twice  in  each  year 
These  commissioners  make  annual  reports  to  the  Legislature  concerning  the 
condition  of  each  bank. 

Exemptions. — Homestead  to  the  value  of  $1,000  is  exempt,  if  declaration  to  hold  it  as 
such  is  recorded  Of  the  property  of  any  one  person,  his  necessary  apparel  and 
bedding  and  household  furniture  necessary  for  supporting  life  ;  arms,  military 
equipments,  uniforms,  or  musical  instruments  owned  by  any  member  of  the  militia 
for  military  purposes  ;  and  pension  moneys  received  from  the  United  States,  while 
in  the  hands  of  the  pensioner  ;  implements  of  the  debtor's  trade  ;  his  library  ;  not 
exceeding  $500  in  value  ;  cattle,  poultry,  etc  ,  not  to  exceed  $325  in  value  ;  certain 
specified  family  stores  ;  the  horse  of  any  practicing  physician  or  surgeon,  of  a  value 
not  exceeding  $200  and  buggy  ;  one  boat  used  in  the  business  of  planting  or  taking 
oysters  or  clams,  or  shad,  with  the  sails,  tackle,  rigging,  and  implements  used  in 
said  business,  not  exceeding  in  value  $200 ;  one  sewing  machine  in  use  ;  one  pew  in 
church  in  use,  and  lots  in  burying  ground,  appropriated  by  its  owner  for  the  burial 
place  of  any  person  or  family  ;  so  much  of  any  debt  which  has  accrued  by  reason 
of  the  personal  services  of  the  debtor  as  shall  not  exceed  $50. 

Interest. — Legal  rate  is  G  per  cent.     No  penalty  for  usury. 

Legal  Holidays. — Sunday,  January  1,  February  22,  May  30,  July  4,  Labor  Day, 
Thanksgiving,  December  25,  Fast  Day. 

Limitation  of  Actions.— Actions  upon  writings  under  seal,  or  non-negotiable  promis- 
sory notes,  must  be  brought  within  seventeen  years  ;  upon  simple  contract  within 
six  years.  But  persons  legally  incapable  of  bringing  an  action  at  the  time  of  the 


22  THE    LEGAL   AND   FINANCIAL   LIGHTS    OF   AMERICA. 

CONNECTICUT— CONTINUED. 

accruing  of  the  right  of  action,  may  bring  the  same  at  any  time,  in  the  case  of 
specialties,  within  four  years,  and  in  the  case  of  simple  contracts,  within  three 
years,  after  becoming  legally  capable.  Actions  founded  on  express  contract  (other 
than  actions  of  book  debt)  not  in  writing,  must  be  brought  within  three  years. 
Actions  upon  negotiable  notes,  fraudulently  obtained,  must  be  brought  within  one 
year  after  notice  of  the  fraud,  or  six  months  after  maturity. 

Married  -Women. — A  married  woman  may  make  contracts  in  her  own  name,  buy 
goods,  and  give  notes  in  settlement  for  purchases  which  will  be  binding  upon  her 
separate  estate,  real  or  personal,  if  these  contracts  and  purchases  are  made  for  the 
benefit  for  herself,  her  family,  or  her  estate. 

Notarial  Fees. — Protest  $1.00  and  twenty-five  cents  for  each  notice,  also  postage  and 
travel. 

Notes  and  Bills  of  Exchange. — Promissory  notes  made  payable  to  order  or  bearer 
for  the  payment  of  money  only,  are  negotiable.  Xo  days  of  grace,  unless  specified, 
are  allowed  on  non-negotiable  notes,  or  on  paper  payable  at  sight,  or  on  demand. 
Paper  maturing  on  a  holiday  becomes  due  the  day  preceding.  A  negotiable  prom- 
issory note  payable  on  demand  is  regarded  as  dishonored,  if  unpaid  four  months 
after  date.  Demand  and  reasonable  notice  are  necessary  to  bind  endorsers.  Dam- 
ages for  protested  biJls,  foreign,  are  from  2  to  8  per  cent,  according  to  location  of 
state  where  protested.  Protests  of  inland  bills  of  exchange  and  promissory  notes, 
protested  without  this  state,  shall  be  prima  facie  evidence  of  the  facts  therein 
stated. 

Transfer  of  Corporation  Stocks. — By  endorsement  on  the  back  of  stock,  and  by 
transfer  on  the  books  of  the  corporation.  A  transfer  by  simple  endorsement  would 
be  good  as  between  the  parties,  but  until  its  transfer  on  the  books  of  the  corpora- 
tion, it  is  liable  to  attachment  in  suit  against  tne  original  holder. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  23 


DELAWARE. 

County  Seat.          County.  NameofAtty.  Name  of  Bank.  Cashier. 

Dover Kent.  James  Pennewill.  First  National  Bk.  J.  H.  Bateman. 

Georgetown... Sussex.  E.  R.  Paynter.  Farmers'  Bk.  W.  F.  Tunnell. 

•Wilmington  .  .New  Castle.    L.  c.  Vandegrift.  Union  Natl.  Bk.  Jno.  H.  Danby. 


DIGEST  OF  DELAWARE  COMMERCIAL  LAWS. 

Assignment*. — Voluntary  assignments  for  the  benefit  of  creditors  may  be  made.  No 
preferences  are  allowed. 

Attachments. — A  writ  of  domestic  attachment  may  issue  against  an  inhabitant  of  this 
State  when  the  defendant  cannot  be  found  and  proof  satisfactory  to  the  court  of  the 
cause  of  action,  or  upon  affidavit  made  by  the  plaintiff  or  some  other  credible  per- 
son and  filed  with  the  prothonotary  that  the  defendant  is  justly  indebted  to  the 
plaintiff  in  a  sum  exceeding  fifty  dollars,  and  has  absconded  from  the  place  of  his 
usual  abode  or  gone  out  of  the  State  with  intent  to  defraud  his  creditors  or  to  elude 
process,  as  it  is  believed.  A  writ  of  foreign  attachment  may  issue  against  any  person 
not  an  inhabitant  in  this  State  after  the  return  to  a  summons  or  capias  issued  or 
delivered  to  the  sheriff  or  coroner  ten  days  before  the  return  thereof  and  showing 
that  the  defendant  cannot  be  found  and  proof  satisfactory  to  the  court  of  the  cause 
of  action  ;  or  upon  affidavit  made  by  the  plaintiff  or  some  other  credible  person 
and  filed  with  the  prothonotary  that  the  defendant  resides  out  of  the  State,  and  is 
justly  indebted  to  the  said  plaintiff  in  a  sum  exceeding  fifty  dollars. 

Bank  Laws. — There  is  no  general  banking  act  and  but  one  State  bank,  which  was  char- 
tered by  the  Legislature  in  1807.  There  are  no  official  examinations,  and  the  bank  is 
merely  required  to  make  a  yearly  report  of  its  condition  to  the  Governor  of  the  State. 
Banking  companies  can  only  be  formed  by  special  act  of  the  Legislature,  and  the 
holders  of  stock  therein  are  taxed  at  the  rate  of  one-fourth  of  one  per  centum  on  the 
cash  value  of  each  share  of  capital  stock. 

Exemption*. — No  homestead  law.  Personal  property,  etc.,  to  value  of  $75  is  exempt, 
depending  upon  the  county  in  which  the  debtor  resides.  In  addition  to  the  above, 
personal  property,  not  exceeding  in  value  $200,  is  exempt  from  execution  process 
where  debtor  is  the  head  of  a  family.  In  some  of  the  counties  the  amount  does  not 
exceed  $150.  Wages  are  exempt  from  execution  attachment  in  New  Castle  county. 

Interest. — Legal  rate,  6  per  cent.  Usury  forfeits  principal  and  interest.  If  any  bank  in- 
corporated by  any  law  of  this  State  shall  engage  in  any  transaction  the  amount  of 
profit  of  which  shall  exceed  the  rate  of  1  per  cent,  for  sixty  days,  such  bank  shall 
be  deemed  and  taken  to  have  forfeited  its  charter,  and  the  directors  or  managers  of 
the  bank  shall  be  guilty  of  a  misdemeanor,  and  shall  be  fined  at  the  discretion  of 
the  court. 

Legal  Holidays. — Sunday,  Christmas,  January  1,  February  22,  July  4,  May  30,  Thanks- 
giving, Labor  Day. 


24  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

DELAWAKE— CONTINUED. 

Limitation  of  Actions. — No  action  of  trespass,  replevin,  detinue,  no  action  of  debt 
not  found  upon  a  record  or  specialty,  no  action  of  account,  no  action  of  assumpsit, 
nor  action  on  the  case  can  be  brought  after  expiration  of  three  years  from  the  occur- 
ring of  the  cause  of  action.  When  the  cause  of  action  arises  from  a  promissory 
note,  bill  of  exchange  or  an  acknowledgment  of  the  party  of  a  subsisting  demand, 
the  action  may  be  commenced  at  any  time  within  six  years  from  the  accruing  of 
such  action.  All  actions  for  the  recovery  of  real  property  may  be  brought  within 
twenty  years  from  the  occurring  of  such  cause  of  action. 

Married  Women. — No  special  law. 

Notarial  Fees. — Protest  $1.25  and  twenty  cents  each  notice. 

Notes  and  Bill**  of  Exchange. — All  checks,  notes,  drafts  or  inland  bills  of  exchange, 
payable  without  time  or  at  sight,  are  due  and  payable  on  presentation  without 
grace.  Three  days  grace  is  allowed  on  notes  and  bills,  none  on  sight  drafts.  Notes 
due  on  a  holiday  must  be  paid  the  business  day  next  preceding.  To  hold  indorser, 
note  must  be  duly  presented,  and  notice  of  dishonor  given  to  indorser. 

Stay  of  Execution. — On  judgments  for  want  of  affidavit  of  defense  ;  six  months  if 
security  be  given  within  twenty  days  after  judgment. 

Transfer  of  Corporation  Stocks. — Certificates  of  stock  are  deemed  personal 
property,  and  are  transferable  on  the  books  in  such  a  manner  as  the  by-laws 
provide.  Transfers  as  collateral  security  must  be  so  entered  upon  the  books. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  25 


DISTRICT  OF  COLUMBIA. 

County  Seat.          County.  NameofAtty.  Name  of  Bank.  Cashier. 

Washington  ..Washington.  Gordon  &  Gordon.  Central  Natl.  Bk.  A.  B.  Raff. 


DIGEST  OF  DISTRICT  OF  COLUMBIA  COMMERCIAL  LAWS. 

Assign  meiits. — Voluntary  assignments  for  the  benefit  of  creditors  may  be  made  at  com- 
mon law,  except  that  no  preferences  are  allowed.  No  bankruptcy  or  involuntary 
assignment  law  in  force. 

Attachments. — Writs  of  attachment  are  issued  when  defendant  is  a  non-resident  of  the 
District ;  or  evades  the  service  of  ordinary  process  by  concealing  himself,  or  with- 
drawing from  the  District  temporarily  ;  or  that  he  has  removed,  or  is  about  to 
remove,  some  of  his  property  from  the  District,  so  as  to  defeat  just  demand  against 
him,  or  has  assigned,  disposed  of,  secreted,  or  is  about  to  assign,  dispose  of,  or 
secrete  property  with  intent  to  defraud  his  creditors. 

Bank  Laws. — There  is  no  statutory  provision  regulating  banks,  private  or  other,  except 
that  savings  banks  may  be  incorporated  under  the  general  statute,  and  when  so 
incorporated  they  may  continue  for  twenty  years. 

Exemptions. — No  homestead  law.  In  addition  to  wearing  apparel,  etc.,  household 
furniture  to  the  value  of  $300,  implements  of  debtor's  trade  or  business  to  the  value 
01  $200,  stock  for  carrying  on  business  to  amount  of  $200.  one  horse,  harness  and  cart, 
wagon  or  dray,  and  earnings  of  married  men  or  heads  of  families,  not  to  exceed  $100 
per  month. 

Interest. — Six  per  cent,  per  annum  is  the  legal  rate  ;  parties  may  agree  in  writing  for  any 
interest  not  exceeding  10  per  cent.  The  penalty  for  usury  is  forfeiture  of  the  whole 
of  the  interest,  which  may  be  recovered  by  corporation  or  person  paying  same  by 
suit  brought  within  a  year  after  such  unlawful  interest  has  been  paid. 

Legal  Holidays. — Sunday,  January  1,  February  22,  July  4,  Labor  Day,  Thanksgiving, 
Christmas,  Inauguration  Day,  and  every  Saturday  afternoon  and  Decoration  Day. 

Limitation  of  Actions. — Actions  to  recover  usurious  interests  must  be  brought  within 
one  year  ;  actions  upon  simple  contract,  book  debt  or  account,  detinue  and  replevin, 
and  for  trespass  for  injuries  caused  by  negligence,  must  be  brought  within  three 
years  ;  actions  on  contracts  under  seal  and  on  judgments  must  be  brought  within 
twelve  years  ;  to  foreclose  mortgage  or  deed  of  trust  within  twenty  years. 

Notarial  Fee§. — Protest,  $1.50,  and  twenty-five  cents  for  each  notice. 

Xotes  and  Bills  of  Exchange. — Law-merchant  is  in  force  as  to  presentation,  indorse- 
ment, protest,  etc.  Three  days'  grace  allowed  on  all  commercial  paper  except 
checks  and  sight  drafts.  Paper  maturing  on  a  holiday  is  payable  on  business  day 
previous.  Inland  bills  of  exchange  and  promissory  notes,  as  well  as  foreign  bills  of 
exchange,  may  be  protested  by  notaries  public. 

Transfer  of  Corporation  Stocks. — By  endorsement  on  the  back  of  stock  and  by  a 
transfer  on  the  books  of  the  corporation. 


26 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


FLORIDA. 


County  Seat.          County. 
Apalachlcola.  .Franklin. 

Arcadia De  Soto. 

Bartow Polk. 

Bio  11 11  t*t  own  .('a  11 1< mil. 

Bristol Liberty. 

Bronson Levy. 

Brooks  vllle — Hernando. 
BraldentoAvn.  Manatee. 

Cerro  Gordo... Holmes. 
Crawfordvllle.Wakulla. 
Dade  City Pasco. 

De  Fuiilak 

Springs..  Walton. 

De  Land Voluaia. 

Fernandlna. . .  .Nassau. 
Gainesville  — Alachua. 
Oreen  Cove — Clay. 

Inverness Citrus. 

Jacksonville . .  .Dnval. 

Jasper Hamilton. 

Key  West Monroe. 

Klsslmmee Osceola. 

Lake  City Columbia. 

Live  Oak Suwannee. 

Maclenny Baker. 

Madison Madison. 

Mariaima Jackson. 

Miami  Dade. 

Milton Santa  Eosa. 

Montlcello Jefferson. 

Myers Lee. 

New  Troy   Lafayette. 

Oca  la Marion. 

Orlando Orange. 

Palatka Putnam. 

Pensacola Escambia. 

Perry Taylor. 

Q  u  i  lie  y Gadsden. 

St.  Augustine  .St.  Johns. 

Starke Bradford. 

Sumtervllle — Sumter. 
Tallahassee — Leon. 

Tampa Hillsboro'. 

Tavares Lake. 

Titus  ville Brevard. 

Vernon Washington. 


Name  of  Atty. 
W.  F.  Farley. 
E.  B.  Carlton. 
Wilson  &  Wilson. 
A.  P.  Higgins. 
W.  B.  Sheppard. 
J.  C.  Sale. 
W.  S.  Jennings. 
J.  H.  Humphries. 

N.  R.  Walker. 
J.A.  Hendley. 

D.  Campbell. 
Stewart  &  Bly. 
Baker  &  Drew. 
Horatio  Davis. 
P.O.  Fisher. 

A.  C.  Clark. 

B.  B.  Archibald. 

B.  B.  Blackwell. 

E.  0.  Locke. 

E.  G.  Beggs. 
W.  M.  Ives. 

H.  B.  Blackwell. 
See  Lake  City. 
A.  Patterson. 

F.  B.  &J.  H.  Carter. 
See  Palm  Beach. 

C.  J.  Perrenot. 

D.  A.  Finlayson. 
R.  Mickle. 
John  Miller. 

W.  S.  Bullock. 
Beggs  &  Palmer. 
R.  W.  Davis. 
Wm.  Fisher. 
Jno.  M.  Gornto. 
P.  W.  White. 
W.  W.  Dewhurst. 
L.  R.  Rhodes. 
J.  C.  Longley. 
Henderson  &  Raney. 
P.  0.  Knight. 
Alex.  St.  Clair  Abrams. 
Minor  S.  Jones. 
Wm.  B.  Jones. 


Name  of  Bank. 
See  Tallahassee. 
Bk.  of  Simmons,  Carlton  &  Co. 
Polk  Co.  Natl.  Bk. 
See  Marianna. 
Sea  Marianna. 
See  Gainesville. 
Brooksville  State  Bk. 

At  St.  Petersburg, 

St.  Petersburg  State  Bk. 

See  Vernon. 
See  Tallahassee. 
Bk.  of  Pasco  Co. 

See  Vernon. 

Volusia  Co.  Bk. 

First  Natl.  Bk. 

First  Natl.  Bk. 

See  Starke. 

See  Ocala. 

Natl.  Bk.  St.  of  Florida. 

Bk.  of  Blackwell  &  Co. 

First  Natl.  Bk. 

Osceola  Co.  State  Bk. 

Bk.  of  Wm.  R.  Bush. 

Live  Oak  Bk. 

See  Lake  City. 

See  Monticello. 

Bk.  of  W.J.Daniel  &  Co. 

At  Palm  Beach,  Dade  Co.  St.  Bk. 

See  Pensacola. 

Jefferson  Co.  St.  Bk. 

At  Punta  Gorda,  Punta  Gorda  Bk. 

See  Live  Oak. 

Merchants'  Natl.  Bk. 

First  Natl.  Bk. 

East  Florida  S.  &  Tr.  Co. 

First  Natl.  Bk. 

See  Monticello. 

Quincy  State  Bk. 

First  Natl.  Bk. 

Bradford  Co.  Bk. 

At  Leesourg,  Bk.  of  Leesburg. 

First  Natl.  Bk. 

Exchange  Natl.  Bk. 

Bk.  of  Tavares. 

Indian  River  State  Bk. 

See  Marianna. 


Cashier. 

R.  E.  Whidden. 
Warren  Taylor. 


H.  A.  Bishop. 

W.  I.  Porter. 

F.  E.  Bond. 
R.  C.  Cooley. 
H.  E.  Tayler. 

T.  P.  Denham. 

Geo.  L.  Lowe. 
P.A.Vans.  Agnew 

H.  M.  Wood. 


W.  H.  Milton,  Jr. 
Geo.  L.  Braming. 

R.  F.  Smith. 
Jno .  H.  Farrington 

H.  C.  Wright. 
Jas.  L.  Giles. 
E.  S.  Crill. 
J.  S.  Leonard. 

Geo.  D.  Munroe. 
H.  Gaillard. 
N.  W.  Hackett. 
Yager  Bros. 
W.  C.  Lewis. 
J.  B.  Anderson. 
C.  H.  Newell. 
Wm.  M.  Brown. 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA.  27 

FLOKID  A— CONTINUED. 

DIGEST  OF  FLORIDA  COMMERCIAL  LAWS. 

Assignments. — Assignments  may  be  made  by  deed  and  recorded  in  the  clerk's  office  of 
the  county  in  which  the  property  is  situated.  Not  valid  unless  in  writing  and 
providing  for  an  equal  disposition  of  all  assignor's  property,  both  real,  personal 
or  mixed,  except  such  as  is  by  law  exempt  from  levy  and  sale  among  his  creditors. 

Attachments. — Attachments  may  issue  when  defendant  is  removing  or  about  to  remove 
either  himself  or  his  property  without  the  limits  of  the  State  or  the  judicial  circuit 
in  which  he  resides,  or  lives  without  the  limits  of  the  State,  or  is  secreting  or 
fraudulently  disposing  of  his  property,  or  that  he  will  fraudulently  dispose  of  his 
property  before  judgment  can  be  obtained  against  him,  or  conceals  himself  so  as  to 
avoid  service  of  process. 

Bank  Laws. — Banking  corporations  may  be  established  by  five  or  more  persons,  in  any 
incorporated  town  or  city  having  3, 000  or  more  inhabitants  with  a  capital  of  not  less 
than  $50,000.  In  towns  of  not  less  than  3,000  inhabitants  the  capital  may,  with  the 
Comptroller's  approval,  be  not  less  than  $15,000.  Savings  banks  may  not  have  less 
than  $20,000  capital.  Banks  are  formed  as  other  corporations  are,  and  cannot 
begin  business  until  authorized  by  the  Comptroller.  The  Comptroller  of  the  State 
may  inspect  and  supervise  the  business  of  the  bank,  and  inspect  and  examine  its 
books,  papers,  documents,  minutes,  and  everything  pertaining  to  the  acts  of  the 
bank.  Banks  are  required  to  make  a  semi-annual  return  to  the  State  Comptroller 
of  resources  and  liabilities,  and  advertise  in  January  of  each  year  amount  of  stock, 
property  and  contractual  indebtedness.  Before  organization  50  per  cent,  of  the 
capital  stock  must  be  paid  in  cash  ;  10  per  cent,  each  month  thereafter.  Stock- 
holders are  individually  liable  to  the  extent  of  their  stock  at  the  par  value  thereof, 
in  addition  to  the  amount  invested  in  said  shares.  Directors  must  be  citizens  of  the 
United  States  and  own  ten  shares  of  stock  of  $100  per  share.  The  Comptroller  with 
the  aid  of  the  courts,  winds  up  the  affairs  of  insolvent  banks. 

Exemptions. — Real  property  to  the  extent  of  not  exceeding  160  acres  outside  of  any 
incorporated  town  or  city,  and  not  to  exceed  one-half  an  acre  within  the  limits  of 
any  such  town  or  city,  is  exempt  from  forced  sale,  together  with  $1,000  worth  of 
personal  property  to  every  person  who  is  the  head  of  a  family  residing  in  this  State  ; 
and  money  due  to  such  person  for  personal  labor  or  services  is  exempt  from 
garnishment  or  attachment. 

Interest. — Legal  rate  is  8  per  cent.,  but  parties  can  stipulate  for  any  rate  not  exceeding 
ten.  Usury  forfeits  entire  interest. 

Legal  Holidays. — Sunday,  January  1,  February  22,  July  4,  Labor  Day,  December  25, 
any  General  Election  Day,  Thanksgiving,  June  3. 

Limitation  of  Actions. — For  the  recovery  of  real  estate  within  seven  years  of  the 
commencement  of  the  adverse  possession  of  the  defendant.  Upon  a  judgment  or 
decree  of  any  court  of  record  of  Florida  within  twenty  years  ;  upon  foreign  judg- 
ments within  seven  years,  and  upon  any  contract,  obligation  or  liability  upon  a 
writing  under  seal.  Within  five  years  upon  any  writing  not  under  seal ;  within 
three  years  upon  an  action  upon  a  liability  created  by  statute  other  than  a  penalty 
or  a  forfeiture.  For  trespass  to  real  property ;  for  taking,  detaining  or  injuring  any 
goods  or  chattels,  and  for  the  specific  recovery  of  personal  property  ;  an  action  for 
relief  on  the  ground  of  fraud  ;  an  action  upon  a  contract,  obligation  or  liability  not 
founded  upon  an  instrument  of  writing,  except  an  action  upon  an  open  account  for 


28  THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 

FLORIDA— CONTINUED. 

goods,  wares  and  merchandise,  within  two  years.  On  an  open  account  for  goods, 
wares  and  merchandise  sold  and  delivered,  and  for  an  article  charged  in  a  store 
account  shall  not  be  barred  until  four  years. 

Notarial  Fee§.— Protest  $2.00. 

UJote§  and  Bills  of  Exchange. — Notes  and  bills  of  exchange  are  subject  to  rules 
of  the  common  law  generally,  except  that  maker  and  indorser  cannot  be  sued  in  one 
action,  nor  can  acceptor  and  drawer.  '1  hree  days'  grace  are  allowed  on  all  paper 
except  sight  drafts.  Paper  maturing  on  holidays  is  payable  business  day  preceding. 
Five  per  cent,  damages  are  allowed  on  protested  foreign  commercial  paper. 

Transfer  of  Corporation  Stoeks. — Transfers  are  governed  by  the  By  laws  of  each 
corporation. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 


29 


GEORGIA. 


County  Seat. 
Abbeville  

County. 
.Wilcor. 

Name  of  Atty. 
E.  F.  Strozier. 
Wooten  &  Wooten. 
Thomas  L.  Lewis. 
Jas.  Dodson. 
D.  C.  Moore. 
Erwin  &  Cobb. 
B.  F.  &  C.  A.  Abbott. 

Jos.  R.  Lamar. 
Donaldson  &  Hawes. 
J.  1.  Carter. 
A.  B.  Estes.  Jr. 
W.  E.  Chandler. 
R.  H.Powell  &  Son. 
Goodyear,  Kay  &  Brantley. 
W.  P.  Robinson. 

Geo.  P.  Munro. 
W.  E.  Steed. 
W.  R.  Rankin. 
Spence  &  Bennett. 
Geo.  R.  Brown. 
W.  R.  Little. 
Adamson  &  Jackson. 
Jno.  W.  Akin. 
Irwin  &  Bunn. 
C.H.  Sutton. 
J.W.  Merritt. 
J.  J.  Kimsey. 
R.  V.  Hardeman. 
A.  P.  Smith. 
C.  C.  Bush. 
C.  E.  Battle. 
Gleaton  &  Maddox. 
J.M.  Pace. 
H.  M.  Holden. 
H.  L.  Patterson. 

h-Z.  A.  Littlejohn. 
Arthur  Hood. 
Price  &  Charters. 
W.  K.  Fielder. 
R.  J.  &  J.  McCamy. 
R.  H.  Kimbrew. 
F.  S.  Bander. 
J.  G.  Parks. 
James  M.  Bishop. 
H.  C.  Jones. 

Name  of  Bank. 
AtCordele,  1st  Natl.  Bk. 
First  Natl.  Bk. 
See  Canton. 
Bk.  of  Sumter. 
See  Augusta. 
Natl.  Bk.  of  Athens. 
Atlanta  Natl.  Bk. 

Georgia  R.  R.  Bk. 
Bainbridge  State  Bk. 
See  Jesup. 
Blackshear  Bk. 
See  Morganton. 
Bk.  of  Blakely. 
Natl.  Bk.  of  Brunswick. 

At  Bremen. 
Bk.  of  G.  R.  Hamilton  &  Co. 

Buena  Vista  Loan  &  Sav.  Bk. 
Peoples  Bkg.  Co. 
Bk.  of  Calhoun. 
Bk.  of  Camilla. 
Bk.  of  Canton. 
See  Hartwell. 
Carrollton  Bk. 
First  Natl.  Bk. 
Commercial  Bk. 
See  Demorest,  Bk.  of  Demorest. 
See  Demorest,  Bk.  of  Demorest. 
See  Demorest,  Bk.  of  Demorest. 
See  Macon. 
See  Savannah. 
See  Blakely. 
Third  Natl.  Bk. 
Bk.  of  Jno.  H.  Almand. 
Clark  Banking  Co. 
See  Greensboro'. 

At  Flowery  Branch, 
Bk.  of  G.  H.  Stidham. 

See  Columbus. 
Bk.  of  Cuthbert. 
See  Morganton. 
See  Atlanta. 
First  Natl.  Bk. 
See  Jefferson. 
Darien  Bk. 
Dawson  Natl.  Bk. 
See  Canton. 
See  Atlanta. 

Cashier. 
F.  J.  Bivins. 
J.  S.  Davis. 

W.  C.  Furlow. 

James  White. 
C.  E.  Currier. 

C.  G.  Goodrich. 
E.  J.  Perry. 

A.  P.  Brandley. 

Jno.  W.  Wade. 
J.  H.  Smith. 

J.  W.  Roberts. 
T.  H.  Friereon. 
O.  U.  Starr. 
C.  R.  Twitty. 
Jno.  B.  Richards. 

J.  B.  E.  Brown. 
J.  H.  Vivion. 
R.  O.  Pitts. 
A.  Hampton. 
A.  Hampton. 
A.  Hampton. 

J.  W.  Murphy. 
W.  J.  Bakes. 
J.  G.  Lester. 

Ed.  McDonald. 

Price  Peak. 

F.  S.  Bander. 
F.  E.  Clark. 

Albany  

.Dougherty. 
.Milton. 
.Sumter. 

Alpliaretta  — 

Ainerlcus    .... 

Applliig  

,  .Columbia. 

Athens  

..Clarke. 

Atlanta  

,.  Fulton. 

Augusta.  ... 

.Richmond. 

Balnbrldge  .  .. 

KJI  x  !<•>"  

.  Decatnr. 
Appling. 

Blackshear... 
Blalrsvllle.... 
Blakely  

.  Pierce. 
.Union. 
.Early. 

Hru  ii«.\\  irk      . 
Buchanan. 

.Glynn. 
.Haralson. 

Bueiia  Vista.. 
Butler  

.Marion. 
.Taylor. 

<  a  lln»ii  n  

..Gordon. 

Camilla  

.Mitchell. 

Canton  

..Cherokee. 

Carnesvllle  ... 
Carrollton.  .  .  . 

.Franklin. 
..Carroll. 

Cartersvllle.. 
Cedartown  — 
Clarkesvllle  .  . 
Clayton  , 

.  .Bartow. 
.Polk. 
.Habersham. 
..Rabnn. 

Cleveland.  

.White. 

Clinton  

.Jones. 

Clyde  

..Bryan. 

Colqultt  

.Miller. 

Columbus  
Conyers  

.Muscogee. 
.  Rockdale. 

Co  vlugton  

.Newton. 

Cra  wfordvlllc.Talliaferro. 
Camming  Forsyth. 

Cnsseta  .Ohattaho'chi 

Cuthbert  

.Randolph. 

Dahlonega  ..  . 
Dallas  

.Lumpkin. 
..Paulding. 

Ma  lion  

.Whitfield. 

Daiilelsvllle. 
Darleu  

.Madison. 
.  .Mclntosh. 

Da  \vson  

..Terrell. 

Dawsonvllle 
Decatur... 

.  .Dawson. 
..DeKalb. 

30 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


GEORGIA— CONTINUED. 


County  Seat.  County. 

Douglas Coffee. 

Douglasvllle  ..Douglas. 

Dublin Laurens. 

Eastman Dodge. 

Eatoiito  ii Putnam. 

E I  foert  on Elbert. 

Eiluville Schley. 

Ellijay Gilmer. 

Falrburn Campbell. 

Fayettevllle — Fayette. 

Forsytli Monroe. 

Fort  Galnes — Clay. 

Franklin Heard. 

Gainesville.... Hall. 
Georgetown  ...Quitman. 

Gibson Glascock. 

Greenville Merrlweather. 

Greensboro'  . .  .Greene. 

Griffin Spaulding. 

Hamilton Harris. 

Hartwell Hart. 

Hawkliisvllle.Pulaski. 
Hlawassee  . . .  .Towns. 

Hlnesvllle Liberty. 

Homer Banks. 

Homervllle...  .Clinch. 

Irwlnton Wilkinson. 

Irwi  iivi  I  le Irwin. 

Isabella Worth. 

Jack  son Butts. 

Jasper Pickens. 

Jefferson Jackson. 

Jefferson  vllle .  Twiggs. 

Jesup Wayne. 

Jonesboro' Clayton. 

Knox  vllle Crawford. 

La  Fayette Walker. 

I- a  Grange Troup. 

LAWRENCEViLLE..Gwinnett. 

lieeaburg Lee. 

Lexington Oglethorpe. 

Llncoliiton  . . .  .Lincoln. 

Louisville Jefferson. 

liumpktn Stewart. 

Macoii Bibb. 

Madison Morgan. 

Marietta Cobb. 

McDonougli . .  .Henry. 
ITIcRae Telfair. 


Name  of  Atty. 
M.  O'Brien. 
W.  T.  Roberts. 
P.  L.  Wade. 

E.  A.  Smith. 

W.  B.  Wingfiell 
Jos.  N.  Worley. 
Chas.  R.  McCrory. 
J.  C.  Allen. 
Roan  &  Golightly. 
R.  T.  Dorsey. 
Serner  &  Bloodworth. 
John  D.  Rambo. 
W.  H.  Daniel. 
H.  H.  Dean. 
Jno.  W.  Lee. 

B.  F.  Walker. 
Terrell  &  Terrell. 
Jag.  B.  Park,  Jr. 
J.  S.  Boynton. 
See  Columbus. 
A.  G.  McCurry. 

A.  C.  Pate. 
W.  G.  Blackwell. 
Ben.  A.  Way. 
A.  C.  Moss. 
R.  W.  Yates. 
J.  W.  Lindsey. 
Wooten  &  Wooten. 
J.  G.  Polhull. 
Wright  &  Beck. 
J.  W.  Henley. 
J.  C.  Turner. 
J.  D.  Jones. 
S.  R.  Harris. 

C.  W.  Hodnett. 

W.  S.  Blasingome. 
Copeland  &  Drew. 

F.  M.  Longley. 

S.  J.  Winn  &  Son. 
H.  L.  Long  &  Son. 
W.  M.  Howard. 
C.  R.  Strother. 
Phillips  A  Phillips. 
R.  F.  Watts. 
Bacon  &  Miller. 
Foster  &  Butler. 
Sessions  &  Sessions. 
WTI.  T.  Dicken. 
Eason  &  Swain. 


Name  of  Bank. 
See  Way  Cross. 
Douglasville  Bkg.  Co. 
Dublin  Bkg.  Co. 
Citizens'  Bkg.  Co. 
Middle  Georgia  Bk. 
Bk.  of  Elberton. 
See  Americus. 
See  Morganton. 
See  Atlanta. 
See  Atlanta. 
W.  H.  Head  Bkg.  Co. 
Bk.  of  Ft.  Gaines. 
At  Hogansville.  Mer.  &  Far.  Bk. 
State  Bkg.  Co. 
See  Cuthbert. 
See  Sandersville. 
Greenville  Bkg.  Co. 
Bk.  of  E.  A.  Copelan. 
City  Natl.  Bk. 
See  Columbus. 
Hartwell  Bk. 

Hawkinsville  Bk.  &Tr.  Co. 
See  Morganton. 
See  Savannah. 
See  Gainesville. 
See  Way  Cross. 
See  Macon. 

At  Cordele,  First  Natl.  Bk. 
See  Albany. 
Jackson  Bkg.  Co. 
See  Canton. 
Jefferson  Bkg.  Co. 
See  Macon. 

Merchants  &  Farmers  Svgs.  Bk. 
See  Atlanta. 
At  Fort  Valley,  Ex.  Bk. 
See  Summerville. 
La  Grange  Bkg.  &  Tr.  Co. 
See  Atlanta. 
See  Albany. 

Bk.  of  Arnold  &  Stewart. 
See  Augusta. 
Bk.  of  Louisville. 
Bk.  of  Stewart  Co. 
Exchange  Bank. 
Bk.  of  Madison. 
Marietta  Tr.  &  Bk.  Co. 
See  Jackson. 
See  Eastman. 


Cashier. 

H.  T.  Cooper. 
Jas.  H.  Finn. 
J.  B.  Caldwell. 
B.  W.  Hunt. 
L.  M.  Heard. 


R.  P.  Brooks. 
J.  E.  Paulin. 
J.  F.  Mobley. 
W.  S.  Williams. 


Wm.  T.  Kevill. 
C.  E.  Monfort. 
J.  G.  Rhea. 

S.  W.  Peck. 
E.  J.  Henry. 


F.  J.  Bivins. 
L.  D.  Watson. 
J.  C.  Turner. 
W.  H.  Whaley. 
A.  D.  Skellie. 
J.  T.  Johnson 

Chas.  M.  Hunter. 

L.  R.  Farmer. 
W.  L.  Madre. 
J.  W.  Cabaniss. 
H.  T.  Shaw. 
J.  T.  Anderson. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


GEORGIA— CONTINUED. 


31 


County  Seat.          County.  NameofAtty.  Name  of  Bank.  Cashier . 

Milledgevllle.  .Baldwin.  Chas.  P.  Crawford.  Milledgeville  Bkg.  Co.  B.  T.  Bethune. 

Monroe Walton.  B.S.Walker.  Bk.  of  Monroe.  J.  R.  Radford. 

Monticello Jasper.  J.  D.  Kilpatrick.  Bk.  of  Monticello.  M.  8.  Benton. 

Morgan Calbonn.  J.  J.  Beck.  Bk.  of ).  J.  Beck. 

Morganton . . .  .Fannin.  0.  R.  Dupree.  Bk.  of  B.  Crawford. 

Monltrle Colquitt.  E.  A.  Milligan.  See  Quitman. 

MOUNT  VERNON . .  .Montgomery.  H.  W.  Carswell.  See  Savannah. 

Nashville Berrien.  Peeples  &  Alexander.  See  Way  Cross. 

Newnan .Coweta.  Freeman  &  Wright.  Newnan  Natl.  Bk.  J.  8.  Hollinshead. 

Newton Baker.  Wooten  &  Wooten.  See  Albany. 

Oglethrope Macon.  Edwards  &  Grier.  Bk.  of  Lofley.  Greer  &  Co. 

Perry Houston.  C.C.Duncan.  Perry  Loan  &  Savgs.  Bk.  J.  D.  Martin. 

Preston Webster.  J.B.Hudson.  At  Richland,  Bk.  of  Richland.         O.  V.  Lamar. 

Quitman Brooks.  C.  M.  Hitch.  Bk.  of  Quitman.  C.  M.  Hitch. 

Keldsville Tattnall.  H.  J.  McGee.  See  Savannah. 

Rlngold Catoosa.  A.  T.  Hackett.  See  Dalton. 

Rome Floyd.  Fouche  &  Fouche.  First  Natl.  Bk.  B.  I.  Hughes. 

Sanders vllle..  .Washington.  Evans  &  Evans.  Bkg.  House  of  Louis  Cohen.          H.  Bashinsky. 

Savannah Chatham.  Charlton,MacKall&AndersonSouthern  Bk.,  State  of  Georgia.     James  Sullivan. 

Sparta Hancock.  Robert  H.  Lewis.  Bk.  of  R.  A.  Graves.  Jno.  D.  Walker. 

Springfield Effingham.  S.  S.  Pitman.  See  Savannah. 

Spring  Place  .  .Murray.  C.  W.  King.  See  Dalton. 

Statenville Echols.  W.  S.  West.  See  Valdosta. 

Statesboro' Bullock.  Groover  &  Johnston.  Bk.  of  Statesboro'.  H.  S.  Blitch. 

St.  Mary's Camden.  Goodyear,  Kaly  &  Brantley.  See  Savannah. 

Summervllle...Chatooga.  Jas.  M.  Bellah.  Bk.  of  Commerce.  N.  K.  Bitting. 

Swalnsboro'  ..Etnanuel.  Williams  &  Brannen.  See  Louisville. 

Sylvaula Screven.  W.V.Taylor.  At  Millen,  Bk.  of  Millen.  H.  E.  Gary. 

Talbottoii Talbot.  J.M.Matthews.  Peoples' Bk.  C.W.  Kimbrough. 

Thomaston Upson.  J.  A.  Cotton.  Farmers' &  Mer.  Bk.  T.M.Matthews. 

Thomas  ville  ..Thomas.  Maclntyre  &  Maclntyre.  Bk.  of  Thomasville.  B.H.Wright. 

Thomson McDuffie.  John  T.  West.  Bk.  of  Thomson.  Jas.  T.  Neal. 

Traders  Hill...  Charlton.  See  Way  Cross.  See  Way  Cross. 

Trenton Bade.  J.  G.  &  D.  H.  Clark.  See  Chattanooga,  Tenn. 

Valdosta Lowndes.  W.  H.  Griffin.  Citizens'  Bk.  of  Valdosta.  C.  W.  Lamar. 

Vienna Dooly.  Handerson  &  Harvard.  Bk.  of  Vienna.  W.  C.  Hamilton. 

AVarrenton — Warren.  James  Whitehead.  Bk.  of  Warrenton.  J.A.Allen. 

Washington  ..Wilkes.  M.  M.  &  M.  P.  Reese.  Washington  Ex.  Bk.  J.R.Dyson. 

Watkinsville  .Oconee.  R.M.Jackson.  See  Athens. 

AVay  Cross Ware.  Leon  A.  Wilson.  First  Natl.  Bk.  J.  E.  Wadley. 

AVaynesboro'  .Burke.  Lawson  &  Scales.  Bk.  of  Waynesboro'.  W.  E.  Jones. 

AV  rights  ville...  Johnson.  A.F.Daley.  At  Tennille,  Farm.  &  Merch.  Bk.     Jno.  A.  McCrary. 

Zebulon Pike.  J.  S.  Pope.  At  BarnesviUe, 

New  South  Savgs.  Bk.  6.  E.  Hnguley. 


32  THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 

GEORGIA— CONTINUED. 

DIGEST  OF  GEORGIA  COMMERCIAL  LAWS. 

Assignments. — Transfers  or  assignments  of  real  or  personal  property  by  insolvent  debtors 
are  fraudulent  and  null  and  void  as  against  creditors,  where  any  trust  or  benefit  is 
reserved  to  the  assignor  or  any  person  for  him. 

Attachments. — Attachments  may  issue  where  the  debtor  resides  out  of  the  State  ;  or 
where  he  is  actually  removing,  or  is  about  to  remove,  without  the  limits  of  the 
county  ;  or  where  he  absconds ;  or  where  he  conceals  himself ;  or  where 
he  resists  legal  arrest ;  or  where  he  is  causing  his  property  to  be  removed 
beyond  the  limits  of  the  State  ;  or  where  he  is  disposing  of,  or  threatens  to  dispose 
of,  or  conceal  his  property  liable  to  the  payment  of  his  debts,  or  make  a  fraudulent 
lien  thereon  to  avoid  the  payment  of  his  debts. 

Dank  Laws. — State  banks  must  be  chartered  by  legislative  enactment.  There  is  a 
general  l;iw  for  their  incorporation,  approved  October  21, 1891.  Their  stockholders 
are  liable  for  all  their  debts  to  the  extent  of  unpaid  subscriptions,  but  are  further 
and  additionally  liable  to  depositors  in  an  amount  equal  to  the  face  value  of  their 
respective  shares  of  stock.  In  some  special  charters  passed  before  the  general  law, 
the  "double  liability  clause "  is  made  to  apply  to  all  the  debts  of  the  bank.  The 
State  Treasurer  is  ex-officio  examiner  of  State  banks,  and  it  is  the  duty  of  this  officer 
to  examine  all  State  banks  at  least  once  a  year.  All  State  banks  must  make  quarterly 
statements  under  oath  to  the  State  bank  examiner  and  publish  same  in  local  papers 
at  their  own  expense. 

Exemptions. — The  head  of  every  family,  or  the  guardian  or  trustee  of  a  family  of  minor 
children,  every  aged  or  infirm  person,  or  person  having  the  care  and  support  of  de- 
pendent females  of  any  age,  is  entitled  to  have  a  homestead  set  apart  on  realty  or 
personalty,  or  both,  to  the  value,  in  the  aggregate,  of  $1,600.  No  judgment, 
execution  or  decree  may  be  enforced  against  the  property  so  set  apart  as  a  home- 
stead, including  improvements  made  thereon,  from  time  to  time,  except  for  taxes, 
for  the  purchase  money  of  the  same,  for  labor  done  thereon,  for  material  furnished 
therefor,  or  for  the  removal  of  encumbrances  thereon.  The  right  of  homestead  may 
be  waived  in  writing  as  against  any  particular  debt,  except  as  to  wearing  apparel 
and  $300  worth  of  household  and  kitchen  furniture  and  provisions.  The  home- 
stead may  not  be  alienated  or  incumbered,  but  it  may  be  sold  by  the  debtor  and  his 
wife,  if  any,  jointly,  with  the  sanction  of  the  Judge  of  the  Superior  Court  where 
the  debtor  resides,  or  the  land  is  situated,  the  proceeds  to  be  re-invested  upon  the 
same  uses. 

Interest. — Legal  rate,  except  on  contracts  specifying  another  rate,  is  7  per  cent,  and  no 
more  than  8  per  cent,  per  annum  may  be  contracted  for,  even  by  written  instru- 
ment. The  penalty  in  cases  where  usury  is  contracted  for,  is  the  forfeit  of  the 
excess  above  legal  interest,  and  where  the  title  to  any  property  has  been  conveyed 
as  security  for  the  usurious  debt,  such  title  is  absolutely  void. 

Legal  Holidays. — Sunday,  February  22,  April  26,  July  4,  Labor  Day,  December  25, 
Thanksgiving,  General  Lee's  Birthday,  January  1  and  19. 

Limitation  of  Actions. — Suits  on  bonds  and  other  instruments  under  seal,  should  be 
brought  within  twenty  years  from  the  accrual  of  the  right  of  action.  Suits  on  prom- 
issory notes  and  other  similar  contracts  in  writing  must  be  brought  within  seven 
years  from  maturity  of  such  contract.  Suits  on  open  accounts,  contracts  not  in 
writing,  should  be  brought  within  four  months. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  33 

GEORGIA— CONTINUED. 

married  Women. — All  property  of  the  wife  in  possession  at  the  time  of  marriage,  or 
afterwards  acquired  by  her,  is  her  separate  property,  and  not  liable  for  the  payment 
of  any  debts,  defaults,  or  contracts  of  the  husband. 

Notarial  Fees.— Protest,  $3.00. 

Notes  and  Bills  of  Exchange. — Bills  of  exchange  and  promissory  notes  made  for 
the  purpose  of  negotiation,  or  intended  to  be  negotiated  at  any  chartered  bank,  and 
which  are  not  paid  at  maturity,  must  be  protested  in  order  to  bind  the  endorser. 
Notice  of  non-payment  and  of  protest,  or  non-payment,  or  non-acceptance,  must  be 
given  to  the  endorser  within  a  reasonable  time,  either  personally,  or  by  post.  It 
will  not  be  necessary  to  protest  in  order  to  bind  the  endorser,  except  in  the  follow- 
ing cases  :  Where  the  paper  is  made  payable  on  its  face,  at  a  bank  or  banker's 
office.  Where  it  is  discounted  at  a  bank  or  banker's  office.  Where  it  is  left  at  a 
bank  or  banker's  office  for  collection.  In  all  such  cases,  days  of  grace  must  be 
allowed,  and  the  last  day  of  grace  is  the  day  of  maturity.  No  days  of  grace  are 
allowed  on  sight  papers.  When  paper  matures  on  a  holiday,  it  is  payable  the  day 
before,  unless  two  holidays  come  together,  when  paper  due  on  the  second  one 
becomes  due  the  day  after.  Accommodation  endorsers,  sureties  and  endorsers, 
may  be  sued  in  the  same  county  and  in  the  same  action,  with  the  maker,  drawer  or 
acceptor.  Bills  of  exchange  must  be  accepted  in  writing  to  bind  acceptor.  In  this 
State  a  contract  to  pay  attorney's  fees  cannot  be  collected  unless  a  defense  is  filed  and 
not  sustained. 

Stay  of  Executions. — Execution  issued  from  the  Superior  Court  maybe  stayed  for  sixty 
days  upon  good  security. 

Transfer  of  Corporation  Stocks. — Transfer  on  the  back  of  stock  is  good  between 
the  parties  and  those  taking  with  notice.  Transfer  on  the  books  of  the  corporation 
binds  all  parties  regardless  of  notice. 


34 


THE   LEGAL   AND   FINANCIAL  LIGHTS   OF  AMERICA. 


County  Seat.  County. 

Albion Cassia. 

Bellevue Logan. 

Blackfoot Bingham. 

Boise  City Ada. 

Caldwell Canyon. 

Cliallis Caster. 

Hailey Alturas. 

Idaho  City Boise. 

Lewiston  Nez  Perces. 

Malad  City  ....Oneida. 
Mo  u  lit  Idaho..  Idaho. 

Moscow Latah. 

MOUNTAIN  HOME..£lmore. 

Murray Shoshone. 

Paris Bear  Lake. 

Pocatello Bannock. 

It ;it lid ru in   Kootenai. 

Salmon  City...Lemhi. 

Silver  City Owyhee. 

St.  Anthony... Fremont. 
Weiser Washington. 


IDAHO. 

NameofAtty.  Name  of  Bank.  Cashier. 

Chas.  Cobb.  See  Pocatello. 

V.  Bierbower.  See  Hailey. 

Stewart  &  Dietrich.  Bk.  of  C.  Bunting  &  Co. 

Geo.  H.  Stewart.  Boise  City  Natl.  Bk.  Alfred  Eoff. 

Jno.  C.  Rice.  First  Natl.  Bk.  W.  R.  Sebree. 

L.  H.  Johnston.  At  Hailey. 

R.  F.  Butler.  First  Natl.  Bk.  F.  H.  Parsons. 

W.  H.  Dunton.  Boise  County  Bk.  E.  W.  Barry. 

Jas.  E.  Babb.  First  Natl.  Bk.  E.  W.  Eaves. 

D.  C.  McDougall.  Bk.  of  J.  N.  Ireland  &  Co.  C.Jones. 

J.  H.  Forney.  At  Grangeville,  Bk.  of  Grangeville.  W.  Scott. 

R.  T.  Morgan.  First  Natl.  Bk.  F.  N.  Gilbert. 

W.  C.  Howie.  Elmore  Co.  Bk.  J.  W.  Campbell. 

H.S.Gregory.  Bk.  of  North  Idaho.  Albert  Johnson. 

Robert  S.  Spence.  At  Montpelier,  Bk.  of  Montpelier.  G.  C.  Gray. 

Eden  &  Warner.  First  Natl.  Bk.  M.  C.  Senter. 

Henry  Melder.  Exchange  Bk.  W.  A.  Hart. 

R.  P.  Quarles.  See  Dillon,  Montana. 

C.  M.  Hayes.  See  Mountain  Home. 

P.  Averitt.  First  Bk.  of  Fremont  Co.  S.  R.  Findley. 

J.  W.  Ayers.  Bk.  of  Weiser.  C.  J.  Selwyn. 


DIGEST  OF  IDAHO  COMMERCIAL  LAWS. 

A**i$fiimciit*. — An  insolvent  debtor  owing  debts  exceeding  $300,  and  having  been  resi- 
dent of  county  for  six  months,  may  be  discharged  of  his  debts  by  executing  an  assign- 
ment of  all  his  property,  real  and  personal.  No  preferences  are  allowed. 

Attachments. — Attachment  may  issue  on  affidavit  stating  that  defendant  is  indebted  to 
plaintiff  (specifying  net  amount)  and  that  plaintiff  is  non-resident  of  State  and  that 
the  attachment  is  not  sought  and  the  action  is  not  prosecuted  to  hinder,  delay  or 
defraud  any  creditor  of  the  defendant. 

Bank  Laws.— There  is  no  statute  law  relating  to  banks.  No  charters  can  be  granted  to 
banks  except  by  the  Legislature  and  no  provision  is  made  for  the  supervision  of 
banks  or  bankers  by  any  State  official  or  otherwise. 

Exemptions. — The  homestead,  consisting  of  a  quantity  of  land  and  a  dwelling  house 
thereon,  with  its  appurtenances,  not  exceeding  the  value  of  $5,000,  to  be  selected  by 
the  husband  or  wife,  or  both,  or  by  other  head  of  a  family,  and  not  exceeding  $1,000 
if  claimant  is  not  the  head  of  a  family.  Office  furniture  and  library,  $100,  neces- 
sary household  and  kitchen  furniture,  and  provisions  for  family  for  three  months  ; 
certain  farm  animals,  etc. ,  with  food  for  three  months ;  tools  and  implements  of 
husbandry  up  to  $200.  Libraries  of  professional  men,  and  team  used  by  a  laborer 
or  teamster,  are  also  exempt. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OP  AMERICA.  35 

IDAHO — CONTINUED. 

Iiitere§t. — Legal  rate  10  per  cent.  Parties  may  agree  in  writing  for  18  per  cent.  Above 
that  rate  usurious.  Usury  penalty,  forfeiture  of  10  per  cent,  per  year  of  the  principal 
to  the  school  fund  and  loss  of  all  interest. 

Legal  Holidays— Sunday,  January  1,  February  22,  May  30,  July  4,  December  25, 
Thanksgiving,  General  Territorial  Election,  or  Special  Election  held  "by  the 
Governor. 

Limitation  of  Actions. — Six  years  on  actions  on  judgments  and  to  recover  mesne 
profits.  Five  years  on  action  for  real  estate  and  on  written  contracts.  Four  years 
on  actions  on  contracts  not  in  writing  and  accounts.  Three  years  on  actions  for 
trespass  on  real  property,  taking,  detaining  or  injuring  goods  or  chattels,  for 
recovery  of  personal  property,  and  for  relief  on  account  of  fraud  or  mistake  and  for 
statutory  penalty. 

Iflarried  Women. — No  special  law. 

Notarial  Fees.— Protest  $3,  recording  50  cents,  and  $1  for  each  notice. 

Notes  and  Bill*  of  Exchange.— Commercial  paper  becomes  negotiable  by  being 
executed  and  delivered,  and  is  made  negotiable  by  endorsement,  what  is  called  "in 
blank."  The  protest  of  a  notary,  under  his  hand  and  official  seal,  of  a  bill  of 
exchange  or  promissory  note,  for  non-acceptance  or  non-payment,  stating  the 
presentment  for  acceptance  or  payment  and  the  non-acceptance  or  non-payment 
thereof,  the  service  of  and  mode  of  giving  notice  to  parties,  and  the  reputed 
residence  of  the  parties,  is  made  by  our  statute  prima  facie  evidence  of  the  facts 
contained  therein.  Damages  for  protested  bills  :  Domestic,  15  per  cent. ;  foreign, 
30  per  cent.  Days  of  grace  are  not  allowed  on  either  bills  or  notes.  Paper  maturing 
on  a  holiday  becomes  payable  the  day  previous. 

Transfer  of  Corporation  Stocks. — Whenever  the  capital  stock  of  any  corporation  is 
divided  into  shares,  and  certificates  therefor  are  issued,  such  shares  of  stock  are 
personal  property,  and  may  be  transferred  by  endorsement,  by  the  signature  of  the 
proprietor,  or  his  attorney  or  legal  representative,  and  delivery  of  the  certificate  ; 
but  such  transfer  is  not  valid  except  between  the  parties  thereto  until  the  same  is  so 
entered  upon  the  books  of  the  corporation,  so  as  to  show  the  name  of  the  parties  by 
and  to  whom  transferred,  the  number  and  designation  of  the  shares,  and  the  date 
of  the  entry.  Corporations  may,  by  by-laws,  provide  that  no  transfer  of  its  stock 
shall  be  made  upon  its  books  until  all  indebtedness  to  the  corporation  of  the  person 
in  whose  name  the  stock  stands,  whether  for  assignment,  calls  or  otherwise,  is  paid. 


36 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF  AMERICA. 


ILLINOIS. 

County  Seat.          County.  Name  of  Atty.  Name  of  Bank.  Cashier. 

Albion Edwards.  H.  J.  Strawn.  Edwards  Co.  Bk.  E.  M.  Pace. 

Aledo Mercer.  Pepper  &  Scott.  Bk.  of  A.  M.  Byers  &  Co.  Wm.  N.  Graham. 

Belleville St.  Clair.  Barthel  &  Farmer.  First  Natl.  Bk.  Casimir  Andel. 

Belvldere Boone.  R.W.Wright.  Peoples  Bk.  John  Greenlee. 

Kent  on Franklin.  Spiller  &  Hart.  Exchange  Bk.  W.  B.  Ward. 

Bloomingtoii  .McLean.  Livingston  &  Bacb.  National  State  Bk.  A.  £.  Hoblit. 

Cairo Alexander.  Green  &  Gilbert.  City  Natl.  Bk.  J.  S.  Aisthorpe. 

Cambridge Henry.  Turner  &  Street.  First  Natl.  Bk.  Henry  White. 

Carllirvllle Macoupin.  M.  L.  Keplinger.  Bk.  of  C.  H.  C.  Anderson.  John  C.  Anderson 

Carlyle Clinton.  P.  W.  Brown.  Sen  I  af  ley  Bros.  J.  F.  Keshner. 

Carml White.  P.  A.  Pearce.  First  Natl.  Bk.  T.  W.  Hall. 

Carrollton Greene.  Henry  T.  Rainey.  Greene  Co.  Natl.  Bk.  Ornem  Pierson. 

Carthage Hancock.  Sharp  &  Berry  Bros.  Hancock  Co.  Natl.  Bk.  Chas.  S.  De  Hart. 

Charleston Coles.  A.  J.  Fryer.  Second  Natl.  Bk.  Felix  Johnston. 

Chester Randolph.  H.  Clay  Homer.  First  Natl.  Bk.  John  D.  Gerlach. 

Chicago Cook.  Ferguson  &  Goodnow.  The  Bankers  Natl.  Bk.  John  C.  Craft. 

Runyan  &  Runyan.  First  Natl.  Bk.  K.  J.  Street. 

Clinton DeWitt.  Moore  &  Warner.  De  Witt  Co.  Natl.  Bk.  E.S.Nixon. 

Danville Vermillion.  Edwin  Winter.  First  Natl.  Bk.  C.  L.  English. 

JDecatur Macon.  Albert  G.  Webber.  Natl.  Bk.  of  Decatur.  D.O.McReynolds. 

Dixoii Lee.  A.  K.  Truesdell.  Dixon  Natl.  Bk.  C.^.  Hughes. 

Edwardsvllle  .Madison.  C.  N.  Travous.  J.  A.  Brickett  &  Son.  H.  E.  Brickett. 

Eflfiiigham Effingharo.  Wright  Bros.  First  Natl.  Bk.  J.  Partridge,  Jr. 

ELIZABETHTOWN  .  .Hardin.  J.  Q.  A.  Ledbetter.  Warford's  Bk.  Wm.  P.  Warford. 

Fall-field Wayne.  R.D.Adams.  Bank  of  Fairfield.  E.  E.  Creps. 

Freeport Stephenson.  H.  C.  Hyde.  First  Natl.  Bk.  A.  Bidwell. 

Galena Jo  Daviess.  E.  L.  Bedford.  Galena  Natl.  Bk.  Walter  Ford. 

Galesbnrg Kuox.  Williams,  Lawrence  &  Galesburg  Natl.  Bk.  J.  H.  Losey. 

Williams 

Geneva Kane.  W.  J.  Brown.  Bk.  of  Geneva.  Gaunt  &  Field. 

Golconda Pope.  Rose  &  Sloan.  Pope  Co.  Bk.  E.B.Clark. 

Greenville Bond.  Thomas  G.  Parker.  Holies  &  Sons. 

Hardiii Calhoun.  Thomas  J.  Selby.  See  Grafton,  Grafton  Bk.  E.  Meysenburg. 

Harrisburgh... Saline.  Boyer  &  Thompson.  First  Natl.  Bk.  F.  T.  Joyner. 

Havana Mason.  Wallace  &  Lazey.  Havana  Natl.  Bk.  N.  C.  King. 

Henneplu Putnam.  William  H.  Casson.  Putnam  Co.  Bk.  W.C.Patterson. 

Hlllsborough. Montgomery.  Edward  Lane.  Hillsborough  Natl.  Bk.  Luther  M.  Beck. 

Jacksonville... Morgan.  Charles  A.  Barnes.  Jacksonville  Natl.  Bk.  C.W.Fitzsimmons 

Jersey vllle Jersey.  Joseph  S.  Carr.  Natl.  Bk.  of  Jerseyville.  Edward  Cross. 

Jollet Will.  John  T.  Donahoe.  Joliet  Natl.  Bk.  Robert  T.  Kelly. 

Jonesboro Union.  Karraker  &  Lingle.  Bank  of  Jonesboro.  H.  W.  Karraker. 

Kankakce Kankakee.  Wheeler  &  Hunter.  The  City  Natl.  Bk.  H.  M.  Stone. 

Lacou Marshall.  Barnes  &  Barnes.  First  Nail.  Bk.  W.  H.  Ford. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


37 


ILLINOIS— CONTINUED. 


County  Seat.          County. 
LAWRENCEVILLE  ..Lawrence. 


Name  of  Atty. 
Gee  &  Barnes. 


Name  of  Bank. 
Lawrenceville  Bk. 


Lewiston Fulton.  H.  W.  Masters.  Lewiston  Natl.  Bk. 

Lincoln Logan.  James  T.  Hoblid.  Lincoln  Natl.  Bk. 

Louisville Clay.  J.  A.  Barnes.  Farmers  &  Merchants  Bk. 

Jrlacomb McDonough.  Sherman  &  Tunnicllff.  Union  Natl.  Bk. 

Marlon  Williamson.  Clemens  &  Warder.  Bk.  of  Marion. 

Marshall Clark.  Graham  &  Tibbs.  Dulaney  Natl.  Bk. 

McLEANSBORO'.... Hamilton.  T.  M.  Eckley.  Peoples  Bk. 

Metamora Woodford.  A.  R.  Rich.  Metamora  Bk. 

METROPOLIS  CITY.Massac.  R.  W.  McCartney.  First  Natl.  Bk. 

Moumouth Warren.  Grler  &  Stewart.  Natl.  Bk.  of  Monmouth. 

Monticello Piatt.  C.  A.  Tatman.  First  Natl.  Bk. 

Morris Grundy.  E.  Sanford.  Grundy  Co.  Natl.  Bk. 

Morrison Whiteside.  F.  D.  Ramsay.  First  Natl.  Bk. 

Mound  City.. ..Pulaski.  L.  M.  Bradley.  First  State  Bk. 

Mt.  Carniel  ....Wabash.  S.  R.  Putr.ame.  First  Natl.  Bk. 

Mt.  Carroll Carroll.  R.  E.  Eaton.  First  Natl.  Bk. 

Mt.  Sterling  . .  .Brown.  E.  S.  Parry.  First  Natl.  Bk. 

Mt.  Veriion  — Jefferson.  Charles  H.  Patton.  Mt.  Vernon  Bk. 

MURPHYSBORO'...  Jackson.  J.H.Martin.  City  Natl.  Bk. 

Nashville  Washington.  Forman  &  Watts.  Washington  Co.  Bk. 

Newton Jasper.  T.  J.  Fithian.  Peoples  Bk. 

Olney Richland.  R.  B.Witcher.  Olney  Bank. 

Oquawka Henderson.  Ross  Cooper.  Bk.  of  Robert  Moir  &  Co. 

Oregon Ogle.  H.  A.  Smith.  First  Natl.  Bank. 

Ottawa La  Salle.  D.  McDougall.  Natl.  City  Bank. 

Paris Edgar.  R.  L.  McKinlay.  First  Natl.  Bk. 

Paxton Ford.  F.  L.  Cook.  First  Natl.  Bk. 

Pekin Tazewell.  Graff  &  Rider.  Farmers  Natl.  Bk. 

Peoria Peoria.  McCulloch  &  McCulloch.       Merchants  Natl.  Bk. 

Petersburgli  ..Alenard.  S.  H.  Blane.  First  Natl.  Bk. 

Piiickiiey  ville.Perry.  W.  K.  Murphy.  Murphy,  Wall  &  Co. 

Pittsfield Pike.  Matthews. Higbee  &  Grigsby.Farmers  State  Bk. 

Pontiac Livingston.  George  Torrence.  Natl.  Bk.  of  Pontlac. 

Princeton Bureau.  R.  M.  Skinner.  First  Natl.  Bk. 

Quiiicy Adams.  Hamilton  &  Woods.  Ricker  Natl.  Bk. 

Robinson Crawford.  Jones  &  Newlin.  Robinson  Bk. 

Rockford Winnebago.  William  Lathrop.  Rockford  Natl.  Bk. 

Rock  Island  ..Rock  Island.  Sweeney  &  Walker.  Peoples  Natl.  Bk. 

Rushville Schuyler.  P.E.Mann.  Sank  of  Schuyler  Co. 

Salem Marion.  L.  M.  Kagy.  Salem  Natl.  Bk. 

ShawiieetowuGallatin.  Carl  Roedel.  First  Natl.  Bk. 

Shelby ville  . . .  .Shelby.  Moulton,  Chafee  &  Headen.  First  Natl.  Bk. 

Springfield Sangamon.  Patton  &  Hamilton.  First  Natl.  Bk. 

Sullivan Moultrie.  W.  G.  Cochran.  Merchants  and  Farmers  State  Bk, 

Sycamore DeKalb.  Games  &  Dunton.  Sycamore  Natl.  Bk. 

Taj  lorville  . . .  .Christian.  W.  M.  Provine.  First  Natl.  Bk. 

Toledo Cumberland.  W.  S.  Everhart.  Bk.  of  Toledo 


Cashier. 

McCleave  & 

Barnes. 

W.  H.  Rhodes. 

P.  E.  Kuhl. 

G.  B.  McCollmn. 

B.  F.  McLean. 
O.  H.  Burnett. 
H.  B.  Dulaney. 
J.  H.  Miller. 

P.  &  D.  Schertz. 
W.  H.  Armstrong. 
W.  B.  Young. 
O.  W.  Moore. 
J.  C.  Carr. 
A.  J.  Jackson. 
J.  A.  Waugh. 
H.  T.  Goddard. 
O.  P.  Miles. 

C.  H.  Turner. 

C.  D.  Ham  &  Co. 
John  G.  Hardy. 
Louis  Krughoff. 
O.  S.  Scott. 
J.  H.  Sensenan. 

Charles  Schneider 
E.  C.  Allen,  Jr. 
R.  G.  Sutherland. 
A.  S.  Bushnell. 
C.  H.  Turner. 
G.  H.  Littlewood. 
J.  M.  Robbins. 
Allen  Ozburn. 
Ross  Matthews. 
Joseph  Spiro. 
H.  C.  Roberts. 
George  E.  Ricker. 
C.  H.  Steel. 
W.  F.  Woodruff. 
C.  Hellpenstell. 
J.  M.  Patterson. 
Thos.  S.  Marshall 
Wm.  D.  Phile. 
J.  W.  Powers. 
Howard  K.Weber 
James  A.  Steele. 
Charles  E.Walker 
E.  R.  Wright. 
Willis  Bros. 


38 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


ILLINOIS— CONTINUED. 


County  Seat.          County. 

Toulon Stark. 

Ttiscola Douglas. 

Urbaiia Champaign. 

Va  iidalia Fayette. 

Vienna Johnson. 

Virginia Cass. 

"Waterloo  Monroe. 

AVatseka Iroquois. 

\Vjiiikfi-aii Lake. 

"Wheaton DuPage. 

Winchester — Scott. 

Woodstock McHenry. 

Yorkville    Kendall. 


Name  of  Atty. 
Miles  A.  Fuller. 

C.  Eckhart. 
White  &  Dobbins. 
W.  M.  Fogler. 
William  A.  Samm. 
R.  W.  Mills. 

J.  W.  Rickert. 
Kay  &  Kay. 
Francis  E.  Clarke. 
E.  H.  Gary. 
J.  M.  Riggs. 

D.  T.  Smiley. 
John  Fitzgerald. 


Name  of  Bank. 
Exchange  Bk. 
First  Natl.  Bank. 
First  Natl.  Bk. 
Farmers  &  Merchants  Bk. 
First  Natl.  Bk. 
Farmers  Natl.  Bk. 
State  Bk.  of  Waterloo. 
First  Natl.  Bk. 
First  Natl.  Bk. 
See  Geneva. 

Bk.  of  Neat,  Condit  &  Croup. 
Farmers  Exchange  Bk. 
Yorkville  Bk. 


Cashier. 

Burge  &  Dewey. 
W.  H.  Land. 
A.  F.  Fay. 
Edward  L.  Wahl. 
D.W.Whittenberg 
J.  T.  Robertson. 
George  Pinkel. 
Geo. C.Harrington 
Charles  F.  Wiard. 


M.  D.  Hoy  &  Son. 
II.  X.  Newton. 


DIGEST  OF  ILLINOIS  COMMERCIAL   LAWS. 

Assignments. — Any  debtor  may  make  an  assignment  for  the  benefit  of  his  creditors.  No 
preferences  are  allowed. 

Attachments. — Attachment  may  issue  where  the  debtor  is  a  non-resident  of  the  State  ; 
conceals  himself  so  that  he  cannot  be  served  with  process,  has  left  the  State,  or  is 
about  to  depart  from  the  State  with  the  intention  of  having  his  effects  removed,  or 
is  about  to  remove  his  property  from  the  State,  or  has,  within  two  years  preceding 
the  filing  of  the  affidavit  required,  fraudulently  conveyed,  or  assigned,  his  effects, 
or  a  part  thereof,  or  has,  within  two  years  prior  to  the  filing  of  such  affidavit, 
fraudulently  concealed  or  disposed  of  his  property,  or  is  about  fraudulently  to  con- 
ceal, assign  or  otherwise  dispose  of  his  property,  or  where  the  debt  sued  for  was 
fraudulently  contracted  on  the  part  of  the  debtor,  provided  the  statements  of  the 
debtor,  which  constitute  the  fraud,  have  been  reduced  to  writing  and  signed  by 
the  debtor. 

Bank  Laws. — Associations  may  be  formed  to  do  a  general  banking  business  (except  the 
issuing  of  bills  to  circulate  as  money),  including  loans  on  personal  and  real  estate 
security,  and  accepting  and  executing  trusts.  The  capital  required  is,  in  cities  of 
5,000  population  or  under,  $25,000  ;  between  5,000  and  10,000  population,  $50,000  ; 
between  10,000  and  50,000  population,  $100,000  ;  50,000  population  and  upwards, 
$200,000.  Impairment  of  capital  must  be  made  good  on  notice  from  the  State 
Auditor.  The  stock  being  fully  subscribed,  a  meeting  of  the  stockholders  on  not 
less  than  three  days'  notice,  shall  be  held,  at  which  the  number  of  directors  shall  be 
determined,  and  they  elected.  The  directors  thereupon  organize  and  elect  officers, 
make  by-laws,  and  arrange  for  the  transaction  of  business.  They  are  required  to 
take  an  oath  of  fealty  to  the  association  and  observance  of  the  Banking  Act.  Upon 
complying  with  these  provisions,  the  auditor  makes  examination,  and  if  satisfied 
that  capital  has  been  paid  in,  issues  a  certificate  of  organization  upon  payment  of 
reasonable  expenses.  This  certificate  must  be  filed  in  the  office  of  Recorder  of 
Deeds  of  the  county  where  the  bank  is  organized,  and  upon  recording  such  certifi" 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  39 

• 

I LLINOIS— CONTINUED. 

cate  the  association  may  proceed  to  business.  Stockholders  are  severally  liable  for 
all  engagements  of  the  association  to  an  amount  equal  to  their  respective  stock- 
holdings, at  par  value,  in  addition  to  the  amount  invested  in  their  share  of  stock. 
Keports  under  oath  of  president  or  cashier  shall  be  made  on  call  of  the  auditor  at 
least  once  in  three  months,  showing  resources  and  liabilities  in  detail,  which  reports 
shall  be  published  in  some  newspaper  of  the  place  where  the  bank  is  located.  At 
least  once  a  year  the  auditor  shall  cause  an  examination  of  the  bank  to  be  made  by 
a  suitable  person  not  a  stockholder,  officer,  or  employee  of  the  bank,  who  shall 
make  a  detailed  report  of  his  examination,  and  shall  have  power  to  examine  officers, 
employees,  or  agents  on  oath.  There  is  no  provision  of  law  for  the  inspection  of 
private  banking  firms  not  organized  under  the  statutes. 

Exemptions. — Every  householder  having  a  family  is  entitled  to  a  homestead,  valued  at 
$1,000,  and  such  exemption  continues  to  the  survivor  after  the  death  of  husband 
or  wife,  so  long  as  he  or  she  occupies  it,  and  to  the  children  until  the  youngest  is 
twenty-one  years  old.  In  addition,  there  is  allowed  to  every  person,  necessary 
wearing  apparel,  etc.,  and  $100  worth  of  other  property  selected  by  the  debtor.  If 
the  debtor  is  the  head  of  a  family,  and  resides  with  the  same,  he  is  allowed  $300 
worth  in  addition,  to  be  selected  by  him.  But  such  selection  cannot  be  made  from 
any  money  or  wages  due.  Of  wages  there  are  $50  exempt  from  garnishment  to  any 
one  who  is  tbe  head  of  a  family  residing  with  the  same.  Wages  to  amount  of 
$50  earned  within  six  months  are  preferred  debts  in  cases  of  insolvency  of  debtor 
owing  such  wages. 

Interest. — Legal  rate  is  5  per  cent..  7  per  cent,  may  be  contracted  for  on  all  written  con- 
tracts. The  penalty  for  usury  is  forfeiture  of  the  entire  interest. 

Legal  Holiday*. — Sunday,  January  1,  February  12,  February  22,  May  30,  July  4,  Elec- 
tion Day,  Labor  Day,  December  25,  Thanksgiving. 

Limitation  of  Actions. — All  actions  for  the  recovery  of  possession  of  real  property 
must  be  commenced  within  twenty  years.  Actions  on  unwritten  contracts,  express 
or  implied,  or  on  awards  of  arbitration,  or  for  recovery  of  damages  for  an  injury 
done  to  property,  real  or  personal,  or  to  recover  the  possession  of  personal  property 
or  for  damages  for  the  detention  or  conversion  thereof,  and  in  all  civil  actions  not 
otherwise  provided  for  must  be  commenced  within  five  years  next  after  the  cause 
of  action  accrued.  Actions  on  bond,  promissory  notes,  bills  of  exchange,  written 
leases,  written  contracts  or  other  evidences  of  indebtedness  in  writing,  must  be  com- 
menced within  ten  years  after  the  cause  of  action  accrued. 

Married  Women. — May  contract,  sue,  and  be  sued  as  feme  sole  ;  may  hold  property, 
personal  and  real,  in  their  own  name  and  right,  and  not  subject  to  husband's 
debts  ;  may  employ  husband  as  agent  to  transact  their  business. 

Notarial  Fees. — Protest  $1.50,  with  twenty-five  cents  per  notice  additional. 

Notes  and  Bills  of  Exchange. — Any  note,  bond,  bill  or  other  instrument  in  writing 
made  payable  to  any  person  named  as  payee  therein,  shall  be  assignable  by  indorse- 
ment thereon,  under  the  hand  of  such  person,  and  of  his  assignees,  in  the  same 
manner  as  bills  of  exchange  are,  so  as  to  absolutely  transfer  and  vest  the  property 
thereof  in  each  and  every  assignee  successively.  It  is  essential  to  the  negotiability 
of  promissory  notes,  bills,  bonds  and  other  instruments  in  writing  for  the  payment 
of  money  or  other  articles  of  personal  property  by  endorsement,  that  they  be  pay- 
able absolutely  and  unconditionally — not  depending  on  any  contingency,  either  in 


40  THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 

ILLINOIS— CONTINUED. 

regard  to  the  use  of  the  fund  out  of  which  payment  is  to  be  made,  or  as  to  the 
parties  by  whom  or  to  whom  the  payment  is  to  be  made.  Any  note,  bond,  bill  or 
other  instrument  in  writing  made  payable  to  the  bearer,  may  be  transferred  by  de- 
livery thereof,  and  an  action  may  be  maintained  thereon  in  the  name  of  the  holder 
thereof  ;  every  endorser  of  such  instrument  shall  be  held  as  a  guarantor  of  payment 
unless  otherwise  expressed  in  the  endorsement.  Whenever  any  bill  of  exchange, 
drawn  or  endorsed  within  this  State,  and  payable  without  the  United  States,  is  duly 
protested  the  drawer  or  endorser  thereof  shall  pay  said  bill,  with  legal  interest,  from 
the  time  such  bill  ought  to  have  been  paid,  and  10  per  cent,  damages  in  addition,  to- 
gether with  the  costs  and  charges  of  protest.  If  any  bill  of  exchange,  drawn  upon 
any  person  or  body  politic  or  corporate,  out  of  this  State,  but  within  the  United 
States,  for  the  payment  of  money,  shall  be  duly  presented  for  acceptance  or  pay- 
ment, and  protested,  it  shall  be  payable,  with  legal  interest  from  the  time  such  bill 
ought  to  have  been  paid,  until  paid,  together  with  costs  and  charges  of  protests.  No 
promissory  note,  check,  draft,  bill  of  exchange,  order,  or  other  negotiable  or  com- 
mercial instrument  payable  at  sight  or  on  demand,  or  on  presentment,  shall  be  en- 
titled to  days  of  grace.  Notes  maturing  on  holidays  are  payable  the  day  previous. 
All  other  bills  of  exchange,  drafts,  or  promissory  notes,  shall  be  entitled  to  the 
usual  days  of  grace. 

Stay  of  Execution. — No  stay  laws,  only  such  as  the  court  orders. 

Transfer  of  Corporation  Stocks. — By  transfer  on  the  books  of  the  corporation. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 


41 


INDIAN    TERRITORY. 


County  Seat.         County. 

Ardmore Chickasaw. 

Atoka Creek. 

•Clilckaslia Pickens. 

Chlckasaw  —  Chickasaw. 

1>  11 11  can Pickens. 

Mario  w Pickens. 

Mtiico Pontotoc. 

Muscogee Creek. 

Paul's  Valley. Pickene. 

Purcell Pontotoc. 

Ryan. Chickasaw. 

So.  McAllister. Chickasaw. 

Talileq  usili Cherokee. 

VI  nit  :i Cherokee. 

Wynnewood .  .Pontotoc. 


Name  of  Ally. 
Johnson,  Cruce  &  Cruce. 
Merrill  &  John. 
Chas.  M.  Fechheimer. 
See  Chickasha. 
Wolverton  &  Rodgers. 
See  Ardmore. 
E.  E.  Wilson. 

Shepherd,  Grove  & 

Shackelford 
L.  C.  Andrews. 

J.  F.  Sharp. 
See  Duncan. 
Fannin  &  Fannin. 
Wm.  F.  Rasmus. 
W.  H.Kornegay. 
J.  T.  Planton. 


Name  of  Bank. 
First  Natl.  Bk. 
See  South  McAllister 
Bk.  of  Chickasha 
See  Chickasha. 
Duncan  Bk. 

Bk.  of  Minco 
First  Natl.  Bk. 
Bk.  of  Paul's  Valley 
Chickasaw  Natl.  Bk. 
Bk.  of  Ryan 
South  McAllister  Bk. 
Bk.  of  Tahlequah 
First  Natl.  Bk. 
Bk.  of  Wynnewood 


Cashier. 
Don  Lacy. 

J.  A.  Bohart. 
J.  T.  Jeanes. 

H.  B.  Johnson. 
C.  H.  Warth. 
J.  D.  Imboden,  Jr. 
A.  D.  Hawk. 
J.  E.  Ledbetter. 
Joe  Hillman. 
L.  C.  Ross. 
H.  C.  Cook. 
J.  F.  Beeler. 


DIGEST  OF  INDIAN  TERRITORY  COMMERCIAL  LAWS. 

Assignments. — Assignments  can  be  made  of  all  the  property  or  a  part  thereof.  Any 
creditor  or  creditors  may  be  preferred. 

Attachments. — Attachments  may  be  made  when  the  action  is  against  one  absent  from  the 
Territory  for  more  than  four  months  when  his  residence  is  in  the  Territory;  has  left 
his  residence  to  avoid  the  service  of  summons  ;  is  about  to,  or  has  removed  his 
property,  or  a  material  part  thereof,  out  of  the  Territory,  not  leaving  enough  therein 
to  satisfy  plaintiff's  claim  ;  conceals  himself;  has  sold  his  property  with  the  fraudu- 
lent intent  to  cheat,  hinder,  or  delay  his  creditors  in  the  collection  of  their  debts, 
or  is  about  to  do  so. 

Bank  Laws. — No  bank  laws. 

Exemptions. — The  personal  property  of  any  resident  of  the  Indian  Territory  who  is  not 
married  or  the  head  of  a  family,  in  specific  articles  to  be  selected  by  such  resident, 
not  exceeding  in  value  the  sum  of  $200  in  addition  to  his  wearing  apparel,  provided 
that  no  property  shall  be  exempt  from  execution  for  debts  contracted  for  the  pur- 
chase money  therefor  while  in  the  hands  of  vendee.  Of  a  married  person  or  head  of  a 
family,  in  specific  articles  to  be  selected  by  such  resident,  not  exceeding  in  value  the 
sum  of  $500  in  addition  to  his  or  her  wearing  apparel  and  that  of  his  or  her  family, 
shall  be  exempt  on  debt  or  contract. 

Interest. — Legal  rate,  6  per  cent.  By  contract,  not  exceeding  10  per  cent.  Contracts  in 
excess  of  10  per  cent,  are  void  as  to  principal  and  interest. 

Legal  Holidays. — Sunday,  January  1,  February  22,  July  4,  Thanksgiving,  Christmas, 
Fast  Day,  Birthday  of  Lee. 


42  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

INDIAN   TERRITORY— CONTINUED. 

Limitation  of  Actioii§. — All  actions  of  debt  founded  on  contract  or  liability  not  in 
writing;  all  actions  of  account,  and  the  like,  founded  on  any  contract  or  liability, 
expressed  or  implied,  three  years.  Action  on  promissory  notes  and  other  instru- 
ments in  writing  not  under  seal,  must  be  commenced  within  five  years,  and  not 
after;  actions  on  bonds,  writings  under  seal  and  judgments  and  decrees,  must  be 
commenced  within  ten  years. 

Notarial  Fees. — Protest,  seventy-five  cents.  Noting,  fifty  cents.  Registration,  forty 
cents.  Certificate,  fifty  cents.  Each  notice,  fifty  cents. 

Notes  and  Bills  of  Exchange. — Bills  and  notes  are  governed  by  the  law-merchant. 
The  general  rules  of  commercial  law  on  these  subjects  prevail.  Notes  to  be 
negotiable  must  be  expressed  to  be  for  value  received.  A  stipulation  for  fixed 
attorney's  fees  does  not  render  paper  non-negotiable  ;  but  are  not  recoverable. 
Paper  maturing  on  a  holiday  becomes  payable  the  clay  before.  Protests  are  the 
common  form,  and  are  made  by  notaries  public.  Acceptances  must  be  made  in 
writing.  If  the  drawee  destroy  or  retain  the  bill,  is  taken  as  having  accepted 
it.  The  statutes  fix  in  detail  the  damages  to  be  awarded  the  holder  of  a  bill  in  case 
of  non-acceptance  or  non-payment.  Protested  bills  bear  interest  at  the  rate  of  ten 
per  cent,  per  annum. 

Transfer  of  Corporation  Stocks. — No  law. 


\ 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


43 


INDIANA. 


County  Seat.          County. 

Albion Noble. 

Anderson Madison. 

Angola Steuben. 

Auburn De  Kalb. 

Bedford Lawrence. 

Bloomfield Greene. 

Bloomtiigton  .Monroe. 

It  1 11  IK  o  u Wells. 

Boonville Warrick. 

Brazil Clay. 

Brookville  — Franklin. 
Brownstown..  Jackson. 

Canuelton Perry. 

COLUMBIA  CITY  ..  .Whitley. 

Columbus Bartholome\ 

Conners  vllle. .  .Fayette. 

Corydon Harrison. 

Covlngt  on Fountain. 

CRAWFORDSVILLE. Montgomery 
Cro\vn  Point... Lake. 

Danville Hendricks. 

Decatur Adams. 

Delphi Carroll. 

IS  va  iis  vi  11  e Vanderburg 

Fort  Wayne Allen. 

Fowler Benton. 

Frankfort Clinton. 

Franklin Johnson. 

Goslieii Elkhart. 

Greeucastle Putnam. 

Greenfield Hancock. 

Greensburg. . .  .Decatur. 
Hartford  City  .Blackford. 
Hnntlugton  ...Huntington. 
Indianapolis.  .Marion. 

Jasper Dubois. 

JEFFERSONVILLE..  Clark. 

Kendland Newton. 

Kuox Stark. 

Ko  k  01110 Howard. 

La  Fayette Tippecanoe. 

La  Grange La  Grange. 

La  Porte La  Porte. 

LAWRENCEBURGH.  Dearborn. 
Leaveiiwortli  .Crawford. 

Lebanon Boone. 

Liberty Union. 


Name  of  Atty. 

Name  of  Bank. 

Cashier. 

Lev!  W.  Welker. 

Bk.  of  Albion 

F.  B.  Clapp. 

Chipman.Keltner  &  Hendee. 

Natl.  Exchange  Bk. 

J.  L.  Forkner. 

Croxton  &  Powers. 

Steuben  Co.  Bk. 

H.  K.  Scott. 

D.  Y.  Husselman. 

Farmers  Bk. 

A.  C.  Robbins. 

W.  H.  Martin. 

Citizens  Bk. 

J.  R.  Voris. 

Gavins  &  Gavins. 

Bloomfield  Bk. 

O.  W.  Shryer. 

Duncan  &  Batman. 

First  Natl.  Bk. 

W.  E.  Woodburn. 

Wilson  &  Todd. 

Studebaker  Bk. 

J.  S.  Gilliland. 

Hatfield  &  Hemenway. 

Boonville  Natl.  Bk. 

J.P.Weyerbacher. 

George  A.  Knight. 

First  Natl.  Bk. 

C.  S.  Andrews. 

Jones  &  Jones. 

Brookville  Bk. 

Goodwin  &  Shirk. 

Applewhite  &  Applewhite. 

Peoples  State  Bk. 

H.  A.  Barrel. 

Chas.  A.  Weathers. 

Commercial  Bk. 

S.  L.  May. 

James  S.  Collins. 

Bk.  of  F.  H.  Foust  &  Co. 

.Stansifer  &  Baker. 

First  Natl.  Bk. 

L.  K.  Ong. 

McKee.  Little  &  Frost. 

First  Natl.  Bk. 

Q.  A.  Mount. 

W.  N.  &  R.  J.  Tracewell. 

Bk.  of  Corydon 

W.  B.  Siemens. 

Nebeker  &  Simms. 

Citizens  State  Bk. 

Sampson  Reed. 

.  Brush  &  Snyder. 

Citizens  Natl.  Bk. 

C.  Goltra. 

J.  Kopelike. 

First  Natl.  Bk. 

W.  C.  Mnrphey. 

Gofer  &  Hadley. 

First  Natl.  Bk. 

M.  Carter. 

R.  K.  Irwin. 

Old  Adams  Co.  Bk. 

R.  K.  Allison. 

Gould  &  Eldridge. 

Citizens  Bk. 

J.  A.  Shirk. 

lAlex.  Gilchrlst. 

Old  National  Bk. 

Henry  Reis. 

John  F.  Rodabaugh. 

Hamilton  Natl.  Bk. 

John  Mohr,  Jr. 

Fraser  &  Isham. 

Bk.  of  Benton  Co. 

Lee  Dinwiddie. 

J.  C.  Farber. 

Farmers  Bk. 

D.  A.  Coulder. 

T.  W.  Woollen. 

Franklin  Natl.  Bk. 

E.  C.  Miller. 

W.  L.  Stonex. 

City  Natl.  Bk. 

C.  J.  Garvin. 

Silas  A.  Hays. 

Central  Natl.  Bk. 

M.  D.  Bridges. 

S.  A.  Wray. 

Greenfield  Bkg.  Co. 

M.  Chandler. 

William  A.  Moore. 

Third  Natl.  Bk. 

W.  W.  Bonner. 

J.  A.  Bonham. 

Citizens  Bk. 

E.  M.  Stahl. 

1.  G.  Smith. 

First  Natl.  Bk. 

Sarah  F.  Dick. 

Robert  N.  Lamb. 

Indiana  Natl.  Bk. 

Edward  B.  Porter. 

Wm.  A.  Traylor. 

Dubois  Co.  State  Bk. 

Frank  Joseph. 

M.  Z.  Stannard. 

First  Natl.  Bk. 

H.  E.  Heaton. 

Cummings  &  Darroch. 

Bk.  of  Kendland 

Smart  «fe  Rider. 

H.  A.  Woodward. 

Farmers  Bk. 

F.  P.  Whitson. 

Blacklidge  &  Shirley. 

Citizens  Natl.  Bk. 

G.  E.  Bruner. 

J.  D.  Cougar. 

Merchants  Natl.  Bk. 

C.  Murdock. 

0.  L.  Ballon. 

Natl.  Bk.  of  La  Grange 

J.  I.  Norris. 

S.E.Williams. 

First  Natl.  Bk. 

R.  E.  Morrison. 

Thompson  &  Colt. 

Citizens  Natl.  Bk. 

W.  D.  H.  Hunter. 

J.  H.  Weathers. 

Citizens  Bk. 

R.  H.  Willett. 

Dutch  &  Higgins. 

Lebanon  Natl.  Bk. 

E.  T.  Lane. 

L.  H.  Stanford. 

Union  Co.  Natl.  Bk. 

H.  Husted. 

44 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


INDIANA — CONTINUED. 


County  Seat.          County. 
Logansport  Case. 
ITIadison  Jefferson. 

Name  of  Atty. 
Winfield  &  Taber. 
Vanosdal  &  Francisco. 

Name  of  Bank. 
Logansport  State  Bk. 
First  Natl.  Bk. 

Cashier. 
W.  C.  Thomas. 
Thos.  A.  Pogue. 

Marion  Grant. 

George  G.  Wharton. 

First  Natl.  Bk. 

A.  B.  Morrison. 

Martinsville.  .  .Morgan. 
rtlo  nticello  White. 
Mount  VernonPosey. 
ITIuiicie  Delaware. 

Jordan  &  Matthews. 
Chas.  C.  Spencer. 
E.  M.  Spencer. 
C.  E.  Shipley. 

Citizens  Natl.  Bk. 
Citizens  Bk. 
Mt.  Vernon  Bkg.  Co. 
Delaware  Co.  Natl.  Bk. 

W.  D.  Frazee. 
W.  E.  McLean. 
E.  D.  Owen. 
C.  H.  Church. 

Nashville  Brown. 

See  Columbus. 

New  Albany.  .  .Floyd. 
New  Castle  Henry. 
Newport  Vennillion. 

Alex.  Dowling. 
John  M.  Morris. 
Conley  &  Sawyer- 

First  Natl.  Bk. 
Citizens  State  Bk. 
Bk.  of  R.  H.  Nixon 

J.  A.  Button. 
D.  W.  Kinsey. 

Nobles  vllle  —  Hamilton. 
Paoli  Orange. 

Shirts  &  Kilbourne. 
W.  J.  Throop 

Citizens  State  Bk. 
Orange  Co  Bk 

E.  Shirts. 
A  B    Ham 

Per  u  Miami 

Mitchell  &  McClintic 

First  Natl  Bk 

Peter  sburgh  ..Pike. 
Plymouth  Marshall. 

E.  P.  Richardson. 
Chas.  P.  Drummond. 

Citizens  State  Bk. 
First  Natl.  Bk. 

Byron  Prenton. 
Jas.  A.   Gilmore. 

Portland  .      .  .Jay. 

S.  W.  Haynes 

Peoples  Bk. 

W.  M.  Haynes. 

Princeton  Gibson. 

Buskirk  &  Brady. 

Peoples  Natl.  Bk. 

W  P.  Welborn. 

Rensselaer  Jasper. 
Richmond   Wayne. 
Rising  Sun  Ohio. 
Rochester  Fulton. 

M.  F.  Chilcote. 
R.  A.  Jackson. 
Coles  &  Hall. 
Holman  &  Stephenson. 

Bk.  of  A.  McCoy  &  Co. 
Second  Natl.  Bk. 
Natl.  Bk.  of  Rising  Sun 
Rochester  Bk. 

E.  L.  Hollings- 
worth. 
J.  B.  Dougan. 

J.  N.  Perkins. 
A.  C.  Copeland. 

Rock  port  Spencer. 

E.  L.  Boyd. 

Farmers  Bk. 

E.  M.  Payne. 

Rock,  ville  Parke. 

Maxwell  &  Maxwell. 

Park  Bk. 

F  H.  Stark. 

Rush  vllle  Rush. 

Smith  &  Cambern. 

Rushville  Natl.  Bk. 

Edwin  Payne. 

Salem  Washington. 

Alspaugh  &  Lawler 

Bk  of  Salem 

J.  F.  Persise. 

Scottsburgh  .  .  .Scott. 
Shelby  vllle  .  .  .  .Shelby. 
Shoals  Martin. 

Jewett  &  Shea. 
Love  &  Morrison. 
R  L.  Ross. 

Scott  Co.  Bk. 
First  Natl.  Bk. 
Martin  Co.  Bk. 

W.  M.  Whitson. 
John  A.  Young. 
J.  L.  Passel. 

South  Bend  St.  Joseph. 
Spencer  Owen. 

Lucius  Hubbard. 
J.  H.  Fowler. 

First  Natl.  Bk. 
Exchange  Bk. 

C.  A.  Kimball. 
F.  H.  Freeland. 

Sullivan  Sullivan. 

John  T.  Hays. 

Farmers  State  Bk. 

Wake  Giles. 

Terre  Haute.  .  .  Vigo. 
Tipton  Tipton. 

Harry  J.  Baker. 
Gifford  &  Gifford. 

First  Natl.  Bk. 
Tipton  Co.  Bk. 

B.  McCormick. 
E.  H.  Shirk. 

Valparaiso  Porter. 
Vernon  Jennings. 

A.  D.  Bartholomew. 
Benjamin  F.  Tweedy. 

Farmers  Natl.  Bk. 
First  Natl.Bk. 

G.F.Bartholemew 
John  S.  Morris. 

Versailles  Ripley. 
Vevay  Switzerland. 

F.  M.  Thompson. 
G.  S.  Pleasants. 

Versailles  Bk. 
First  Natl.  Bk. 

F.  M.  Laws. 
Albert  G.  Craig. 

Vlncennes  Knox. 
\Vabash        Wabash. 

L.  A.  Meyer. 
W.  G.  Sayre. 

German  Natl.  Bk. 
First  Natl.  Bk. 

George  R.  Alsop. 
F.  W.  Morse. 

Warsaw  Kosciusko. 

John  D.  Wideman. 

Lake  City  Bk. 

S.  Bitner. 

Washington  .  .Daviess. 
Wllliamsport  .Warren. 
Wiiiumac  Pulaski. 
Winchester  ...Randolph. 

J.  W.  Ogden. 
C.  V.  McAdams. 
Spangler  &  Son. 
J.  W.  Thompson. 

Peoples  Natl.  Bk. 
Warren  Co.  Bk. 
Bk.  of  Winamac 
Farmers  &  Merchants  Bk. 

R.  C.  Davis. 
A.  H.  Haun. 

W.  S.  Huddleston 
T.  F.  Moorman. 

THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA.  45 

INDIANA — CONTINUED. 

DIGEST  OF  INDIANA  COMMERCIAL  LAWS. 

Assignments. — Any  debtor  may  make  a  general  assignment  of  all  property  in  trust  for 
the  benefit  of  bonafide  creditors.  The  assignor  is  not  forbidden  to  make  preferences 
to  bona  fide  creditors,  provided  the  preferences  be  made  before  the  deed  of  assign- 
ment and  in  no  way  co-ordinate  with  it.  The  assignor  is  not  relieved  from  his 
debts. 

Attachments. — Attachment  may  issue  where  the  defendant  is  a  foreign  corporation  or  a 
non-resident ;  where  the  defendant  is  secretly  leaving  the  State,  or  has  left  it,  with 
intent  to  defraud  his  creditors  ;  where  the  defendant  so  conceals  himself  that  sum- 
mons cannot  be  served  upon  him  ;  where  he  is  removing,  or  about  to  remove,  his 
property  subject  to  execution,  or  a  material  part  thereof,  out  of  the  State,  not  leav- 
ing enough  to  satisfy  the  plaintiff's  claim  ;  where  he  has  sold  or  otherwise  disposed 
of  his  property  subject  to  execution,  or  suffered  or  permitted  it  to  be  sold  with  the 
fraudulent  intent  to  cheat,  hinder,  or  delay  his  creditors  ;  where  he  is  about  to  sell, 
convey,  or  otherwise  dispose  of  his  property  subject  to  execution  with  such  intent. 

Bank  Laws. — Any  number  of  persons,  not  less  than  five,  may  entitle  themselves  to  a 
charter  as  a  bank  of  discount  and  deposit.  The  capital  stock  must  not  be  less  than 
$25,000  divided  into  shares  of  the  value  of  $100  each.  There  must  not  be  less  than 
three  directors,  elected  by  the  stockholders.  These  directors  shall  elect  one  of  their 
number  as  president,  and  shall  also  elect  a  cashier,  who  must  give  bond  for  the 
faithful  discharge  of  his  duties.  A  corporation  so  formed  may  begin  business  as 
soon  as  50  per  cent,  of  its  capital  stock  shall  have  been  actually  paid  in  ;  and  it 
shall  have  all  the  powers  incident  to  the  business  of  banking,  except  the  issuing  of 
bank  notes.  A  bank  may  purchase  such  real  estate  as  may  be  necessary  for  use  in 
its  business,  or  which  may  be  taken  by  mortgage  or  conveyance  in  payment  of 
debts  ;  but  all  property  not  required  in  transacting  its  business  must  be  resold  with- 
in five  years.  Stockholders  are  individually  liable  for  the  debts  of  the  bank  to  the 
extent  of  the  par  value  of  the  stock.  The  auditor  of  the  State  with  the  approval  of 
the  governor,  shall,  as  often  as  he  deems  proper,  appoint  a  suitable  person,  or  more 
than  one,  to  make  an  examination  of  the  affairs  of  all  banks  established  under  the 
general  banking  law.  The  examiner  so  appointed  must  make  a  full  detailed  report 
of  the  condition  of  each  bank  to  the  State  Auditor.  Banks  must  also  make  at  least 
five  reports  annually  to  the  Auditor  of  State,  verified  by  the  president,  or  cashier  or 
other  managing  agent,  showing,  in  detail,  the  resources  and  liabilities  of  the  insti- 
tution. 

Exemptions. — There  is  no  homestead  law.  An  exemption  of  $600  on  any  contract 
liability  is  allowed  to  resident  householders.  One  month's  wages  is  exempt  from 
garnishment  and  on  proceedings  supplemental  to  execution  while  the  employment 
lasts.  There  is  no  exemption  as  against  mechanic's  liens,  purchase  money  liens 
and  taxation.  The  right  of  exemption  cannot  be  waived  by  contract. 

Interest. — Legal  rate  is  6  per  cent.,  but  parties  may  contract  in  writing  for  8  per  cent. 
Where  a  contract  calls  for  usurious  interest,  it  is  void  only  as  to  the  interest  in 
excess  of  6  per  cent. 

Legal  Holidays. — Sunday,  January  1,  February  22,  May  30,  July  4,  December  25, 
public  fast,  Thanksgiving,  National  and  State  Election  Days,  and  Labor  Day. 


46  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

INDIANA — CONTINUED. 

Limitation  of  Actions. — On  accounts  and  contracts  not  in  writing  :  for  use,  rents  and 
profits  of  real  property,  and  relief  against  frauds,  six  years;  upon  promissory  notes, 
bills  of  exchange  and  other  written  contracts  for  the  payment  of  money,  ten  years ; 
upon  contracts  in  writing  other  than  those  for  the  payment  of  money  on  judgments 
of  courts  of  record,  and  for  the  recovery  of  the  possession  of  real  estate,  twenty 
years. 

married  Women. — By  a  recent  act  a  married  woman  may  (since  May  31,  1879)  buy, 
sell  or  transfer  her  separate  personal  property,  as  if  sole  ;  may  carry  on  any  trade, 
business  or  service,  and  her  separate  personal  property  is  liable  for  the  same. 

Notarial  Fee§. — Protest,  $1.25,  and  twenty-five  cents  for  each  notice. 

IVote*  and  Bills  of  Exchange. — Promissory  notes  payable  to  order  or  bearer  at  a 
bank  in  this  State,  and  bills  of  exchange,  are  governed  by  the  law-merchant. 
Promissory  notes  not  payable  at  a  bank  are  subject  to  any  set  off  maker  may  have 
against  payee,  or  any  subsequent  holder,  accruing  before  notice  of  assignment. 
On  these,  maker  must  be  exhausted  before  endorser  can  be  sued.  Protest  is  not 
necessary  to  hold  endorsers  of  such  notes  ;  but,  to  hold  them,  maker  must  be  sued 
at  first  term  of  court  after  maturity,  unless  it  can  be  shown  that  he  was  insolvent  at 
the  time  of  such  maturity.  Three  days  of  grace  are  allowed  on  all  bills  of  exchange 
payable  within  the  State,  whether  sight  or  time  bills.  Paper  maturing  on  a  holiday 
becomes  payable  the  day  preceding.  Damages  for  protest  on  bills  upon  any  person 
at  any  place  out  of  this  State,  but  within  the  United  States,  5  per  cent. ;  on  bills 
drawn  upon  any  person  at  any  place  without  the  United  States,  10  per  cent. 

Stay  of  Executions. — On  sums  of  six  dollars,  thirty  days  ;  over  six  and  under  twelve 
dollars,  sixty  days  ;  over  twelve  and  under  twenty  dollars,  ninety  days  ;  over  twenty 
and  under  forty  dollars,  one  hundred  and  twenty  days  ;  over  forty  and  under  one 
hundred  dollars,  one  hundred  and  fifty  days  ;  over  one  hundred  dollars,  one 
hundred  and  eighty  days. 

Transfer  of  Corporation  Stocks. — By  transfer  on  the  books  only  for  bridge,  canal, 
insurance  and  steam  packet  companies.  In  all  ofcher  corporations  stock  is  trans- 
ferred in  any  manner  provided  by  the  by-laws. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 


47 


IOWA. 


County  Seat.         County.  NameofAtty. 

Adel Dallas.  White  &  Clark. 

Aftun Union.  Stilliv  n  &  Sullivan. 

Albla Monroe.  J.  C.  Mabry. 

Algona Kossuth.  George  E.  Clark. 

Allison Butler.  Craig.  Ray  &  Hyde. 

Auamosa Jones.  Sheean  &  McCarn. 

Atlantic Case.  Willard  &  Willard. 

Audubon Audubon.  Nash  &  Phelps. 

Bedford Taylor.  Jackson  &  M  Her. 

Bloomfteld  ...  Davis.  Carruthers  &  Rominger. 

Boo  ue Boone.  S   R   Dyer. 

Burlington  — Des  Moiues.  Blake  &  Blake. 

Carroll Carroll.  W.  R.  Lee. 

Centervllle Appanoose.  Vermil  on  &  Valentine. 

Charlton Lui'.-i-.  J.  A.  Penick. 

Charles  City... Floyd.  Reiniger  &  Lloyd. 

Cherokee Cherokee.  M   Wakefield. 

Clarlnda Page.  H.  E.  Pa  slow. 

Clarion Wright.  Ladd  &  Rogers. 

Clinton Clinton.  George  B.  Phelps. 

Concord Hancock.  John  F.  Thompson. 

Corning Adams.  W   S.  Hefling. 

Corydon Wayne.  Miles  &  Steele. 

COUNCIL  BLUFFS.  .Pottaw'tartie  F.nley  Burke 

Cresco Howard.  H.  T  Reed 

JDukotali Humboldi.  P.  Finch 

Davenport Scott.  J.  A.  Hanley 

Decorali Winneshiek.  R.  F.  B.  Portman 

Deiiison Crawford.  Shaw  &  Kuehnle 

DCS  Moiues  . . .  .Polk.  Park  &  Odell 

Dubuque Dubuque.  R.  W  Stewart 

Eldora Hardiu.  Huff  &  Ward 

Elkader Clayton.  D.  D.  Murphy 

Emmettsburg.Palo  Alto.  Kelly  &  Kelly 

Esthervllle  . . .  .Emmet.  C.  W.  Grim 

Fair  field Jefferson.  Leggett  &  McKemy 

Forrest  Clty...Winnebago.  C.  L.  Nelson 

Fort  Dodge Webster.  Robert  M.  Wright 

Fort  Madison.  Lee.  Casey  &  Stewart 

Glenwood Mills.  E.  B.  Woodruff 

Greenfield Adair.  J.  A.  Storey 

Grundy  CentreGrundy.  Rea  &  Wood 

GuthrleCeiitreGuthrie.  E.  R.Sayles 

Hampton Franklin.  John  W.  Luke 

1 1  ;ir  I  a  ii  Shelby.  Byers  &  Lockwood 

Ida  Grove Ida.  Warren  &  Johnston 

Independence. Buchanan.  Lake  &  Harmon 

Indlanola Warren.  Lacy  &  Hatfield 


Name  of  Bank. 
Adel  State  Bk. 
Citizens  Bk. 
First.  Natl.  Bk. 
First  Natl.  Bk. 
Bk.  of  Allison. 
Anamosa  Natl.  Bk. 
Atlantic  Natl.  Bk. 
First  Natl.  Bk. 
Bedford  Bk. 
State  Bk.  of  Bloomfield 
City  Bk. 
Natl.  State  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
Citizens  Natl.  Bk. 
Cherokee  State  Bk. 
Clarinda  Natl.  Bk. 
First  Natl.  Bk. 
Clinton  Natl.  Bk. 
See  Britt,  Commercial  Bk. 
First  Natl.  Bk. 
Farmers  &  Merchants  Bk. 
Citizens  State  Bk. 
First  Natl.  Bk. 
See  Humboldt,  Peoples  Bk. 
Citizens  Natl.  Bk. 
First  Natl.  Bk. 
Bk.  of  Denison. 
Valley  Natl.  Bk. 
First  Natl.  Bk. 
Hardin  Co.  Bk. 
Elkader  State  Bk. 
Palo  Alto  Co.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
German  American  Bk. 
Mills  Co.  Natl.  Bk. 
Citizens  Bk. 
Grundy  Co.  Natl.  Bk. 
Guthrie  State  Bk. 
Citizens  State  Bk. 
Shelby  Co.  Bk. 
Ida  Co.  Savings  Bk. 
First  Natl.  Bk. 
Warren  Co.  Bk. 


Cashier. 
T.  J.  Caldwell. 
L.  W.  McLennan. 
T.  D.  Lockman. 
Wm .  K .  Fergu  son . 
J.  W.  Kay. 
C.  S.  Millard. 
F.  M.  Nichols. 
F.  S.  Watts. 
Ed.  E.  Cass. 
John  R.  Wallace. 
C.  J.  A.  Ericson. 
John  J.  Fleming. 
R.  E.  Coburn. 
J.  A.  Bradley. 
F.  R.  Crocker. 
F.  B.  Miner. 
E.  D.  Huxford. 
H.  R.  Spry. 
U.  B.  Tracy. 
C.  C.  Coan. 

E.  P.  Healy. 
Chas.  C.  Norton. 

F.  M.  Smith. 
Chas.  R.  Hannan. 
C.  A.  Crawford. 
J.  W.  Foster. 

E.  S.  Carl. 
E.  R.  Baker. 
W.  R.  Barber. 
R.  A.  Crawford. 
U.  E.  Guernsey. 
Ellis  D.  Robb. 
Chas.  Johnson. 
W.  J.  Brown. 
J.  P.  Kirby. 
B.  S.  McElhinny. 
W.  O.  Hanson. 
E.  H.  Rich. 
H.  D.  McCoom. 
A.  C.  Sabin. 
A.  P.  Littleton. 
H.  S.  Beckman. 
E.  C.  Lane. 
T.  J.  B.  Robinson 
M.  K.  Campbell. 
C.J.Seidensticker 
R.  M.  Campbell. 
Wm.  Boston,  Jr. 


48 


THE   LEGAL    AND   FINANCIAL   LIGHTS   OF   AMERICA. 


IOWA — CONTINUED. 

County  Seat.         County.  NameofAtty.  Name  of  Bank.  Cashier. 

Iowa  City Johnson.  Baker  &  Ball  Citizens  Saving  &  Trust  Co.  Geo.  W.  Koontz- 

Jefferson Greene.  Russell  &  Toliver  Greene  Co.  State  Bk.  M.  M.  Head. 

Keosauqua Van  Buren.  Mitchell  &  Sloan  Keosauqua  State  Bk.  Jno.  L.  Therme. 

Kiioxville Marion.  J.  D.  Gamble  Marion  Co.  Natl.  Bk.  O.L.Wright. 

Le  Mars Plymouth.  Strubble  Bros.  &  Hart  First  Natl.  Bk.  G.  L.  Veruli. 

Leo  11 Decatur.  Harvey  &  Parrish  Exchange  Bk.  J.N.Clark. 

Logan Harrison.  L.  R.  Bolter  &  Sons  State  Savings  Bk.  W.H.Johnson. 

Manchester.... Delaware.  Morris  &  Dunham  First  Natl.  Bk.  M.  F.  Le  Roy. 

Maqnoketa Jackson.  W.C.Gregory  Exchange  Bk.  John  L.  Sloane. 

Mareiigo Iowa.  Hedges  &  Rumple  First  Natl.  Bk.  Q.  P.  Reno. 

Marion Linn.  D.  E.  Voris  Farmers  &  Merchants  State  Bk.    E.  J.  Esgate. 

MarshalltownMarshall.  Binford  &  Spelling  First  Natl.  Bk.  T.  J.  Fletcher. 

Mason  City.... Cerro  Gordo.  Blythe,  Markley  &  Smith       City  Natl.  Bk.  A.  H.  Gale. 

Montezuma  ...Poweshiek.  W.R.Lewis  First  Natl.  Bk.  G.  W.  Kierulff. 

Mount  Ayr Ringgold.  R.  H.  Spencer  Citizens  Bk.  Clyde  Dunning. 

Mt. Pleasant... Henry.  W.  S.  Withrow  Natl.  State  Bk.  Jas.  T.  Whiting, 

Muscatine Muscatine.  Richman  &  Burk  Hershey  State  Bk.  L.O.Burnett. 

Nevada Story.  George  W.  Dyer  First  Natl.  Bk.  W.  F.  Swayze. 

New  HamptoiiChickasaw.  J.  R.  Bane  First  Natl.  Bk.  T.Donovan. 

Newton Jasper.  A.  M.  Harrah  First  Natl.  Bk.  E.  E.  Lyday. 

North  wood  . . .  .Worth.  J.  R.  Smith  Worth  Co.  State  Bk.  Henry  T.  Toye. 

Onawa Monona.  Oliver  Bros.  &  Tillson  Onawa  State  Bk.          v  C.  H.  Huntington. 

Orange  City Sioux.  Wm.  Hutchinson  Northwestern  State  Bk.  A.  VanderMeide. 

Osage Mitchell.  Eaton  &  Clyte  Osage  Natl.  Bk.  J.  W.  Annis. 

Osceola Clark.  John  Chaney  Towa  State  Bk.  F.  W.  Raskins. 

Oskaloosa Mahaska.  George  C.  Morgan  Oskaloosa  Natl.  Bk.  E.  E.  Himes. 

Ottumwa Wapello.  Wm.  McNett  First  Natl.  Bk.  M.  B.  Hutchinson 

Pocahontas  . .  .Pocahontas.  W.  C.  Rolston  State  Bk.  of  Pocahontas  T.  F.  McCartan. 

Primghar O'Brien.  0.  H.  Montzheimer  First  Natl.  Bk.  Geo.  R.  Slocum. 

Red  Oak Montgomery.  J.  McJunkin  Red  Gak  Natl.  Bk.  Panl  P.  Clark. 

Rock  Rapids.. Lyon.  E.  C.  Roach  First  Natl.  Bk.  E.  L.  Partch. 

Rock  well  City  Calhoun.  Stevenson  &  Lavender  Security  Bk.  Edw.  W.  Burch. 

Sac  City Sac.  W.  H.  Hart  First  Natl.  Bk.  H.H.Allison. 

Sibley Osceola.  G.  W.  Lister  First  Natl.  Bk.  H.  L.  Emmert. 

Sidney    Fremont.  George  E.  Draper  Metelman  &  Frazer  W.  T.  Frazer. 

Sigourney Keokuk.  C.  H.  Mackey  Keokuk  Co.  State  Bk.  S.  W.  Brunt. 

Sioux  City Woodbury.  J.  H.  &  C.  M.  Swan  Security  Natl.  Bk.  F.  M.  Case. 

Spencer Clay.  Richardson,  Buck  &  First  Natl.  Bk.  David  Painter. 

Kirk  patrick 

Spirit  Lake.  ..Dickinson.  A.  W.  Osborne  First  Natl.  Bk.  John  W.  Cravens. 

Storm  Lake....Buena  Vista.  Henry  F.  Galpin  First  Natl.  Bk.  A.  H.  Weitt. 

Tipton Cedar.  S.S.Wright.  First  Natl.  Bk.  W.J.Moore. 

Toledo Tama.  Struble  &  Stiger  Toledo  State  Bk.  W.  A.  Dexter. 

Vinton Benton.  Whipple  &  Zollinger  Farmers  Loan  &  Trust  Co.  C.O.Harrington. 

Wapello Louisa.  H.  0.  Weaver  Wapello  State  Sav.  Bk.  W.  H.  Colton. 

Washington... Washington.  C.C.Patterson  Washington  Natl.  Bk.  John  A.  Young. 

Waterloo Black  Hawk.  Franklin  C.  Platt  First  Natl.  Bk.  F.  J.  Eighmey. 

Waukon Allamakee.  J.  F.  Dayton  Citizens  State  Bk.  W.  E.  Beddow. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

IOWA — CONTINUED. 


49 


County  Seat,.         County. 

Waverly Bremer. 

Webster  City  ..Hamilton. 
West  Union  ...Fayette. 
Wlnterset Madison. 


Name  of  Atty. 
Gipson  &  Dawson 
George  Wambach 
Einsworth  &  Einsworth 
Steele  &  Robbins 


Name  of  Bank. 
State  Bk. 
Farmers  Natl.  Bk. 
Bk.  of  West  Union 
Citizens  Natl.  Bk. 


Cashier. 
Louis  Case. 
J.  H.  Shipp. 
F.  Y.  Whitmore. 
W.  J.  Cornell. 


DIGEST  OF  IOWA  COMMERCIAL  LAWS. 

Assignments. — No  general  assignment  of  property  by  an  insolvent,  or  in  contemplation 
of  insolvency,  for  the  benefit  of  creditors,  shall  be  valid  unless  it  be  made  for  the 
benefit  of  all  his  creditors  in  proportion  to  the  amount  of  their  respective  claims. 
No  preference  is  allowed  to  any  creditor. 

Attachments. — Attachments  may  issue  when  the  defendant  is  a  foreign  corporation,  or 
acting  as  such,  or  is  a  non-resident  of  the  State;  or  is  about  to  remove  his  property 
out  of  the  State  without  leaving  sufficient  remaining  for  the  payment  of  his  debts ; 
or  has  disposed  of  his  property,  in  whole  or  in  part,  with  intent  to  defraud  his 
creditors;  or  is  about  to  dispose  of  his  property  with  intent  to  defraud  his  creditors; 
or  has  absconded,  so  that  the  ordinary  process  cannot  be  served  upon  him ;  or  is 
about  to  remove  permanently  out  of  the  county,  and  has  property  therein  not 
exempt  from  execution,  and  that  he  refuses  to  pay  or  secure  the  plaintiff;  or  is 
about  to  remove  permanently  out  of  the  State,  and  refuses  to  pay  or  secure  the 
debt  due  the  plaintiff;  or  is  about  to  remove  his  property,  or  a  part  thereof,  out  of 
the  county  with  intent  to  defraud  his  creditors;  or  is  about  to  convert  his  property, 
or  a  part  thereof,  into  money  for  the  purpose  of  placing  it  beyond  the  reach  of  his 
creditors;  or  has  property  or  rights  in  action  .which  he  conceals:  or  the  debt  is  due 
for  property  obtained  under  false  pretences. 

Bank  L.SIWS. — Any  number  of  persons  may  be  incorporated  for  the  transaction  of  the 
banking  business,  under  the  general  incorporation  laws  of  the  State,  but  such  asso- 
ciation must  have  the  word  "  State  "  incorporated  and  made  a  part  of  the  name  of 
the  corporation,  and  any  association  not  Jncorporated,  partnership  or  individual, 
engaged  in  banking  business,  is  prohibited  from  embracing  or  including  in  the  name 
of  such  association,  partnership  or  individual,  the  word  "State."  The  capital  of 
such  banks  must  not  be  less  than  $50,000,  except  in  cities  or  towns  having  a  popula- 
tion of  3,000  or  less,  where  they  may  be  organized  with  a  paid  up  capital  of  not  less 
than  $25,000.  Stockholders  are  responsible  to  the  amount  of  their  stock  over  the 
stock  held.  In  case  of  insolvency,  bill  holders  are  to  be  preferred.  Suspension  of 
specie  payment  is  not  permitted.  The  General  Assembly,  by  a  two-thirds  vote, 
may  amend  or  appeal  any  law,  and  no  special  or  exclusive  privileges  may  be  given. 
A  full  and  accurate  statement,  verified  by  the  oath  of  the  president  or  vice-presi- 
dent, or  cashier,  or  two  directors,  must  be  made  quarterly  to  the  Auditor  of  the 
State.  The  Auditor  may  cause  to  be  made  four  examinations  per  year  of  each 
bank.  Corporations,  to  be  known  as  savings  banks,  may  be  formed  under  acts 
applying  only  to  such  banks,  for  the  purpose  of  receiving  on  deposit  the  savings 
and  funds  of  others,  and  preserving  and  safely  investing  the  same,  and  paying  inter- 
est or  dividends  thereon;  and  any  number  of  persons,  not  less  than  five,  may 

4 


50  THE   LEGAL    AND   FINANCIAL    LIGHTS   OF   AMERICA. 

IOWA — CONTINUED. 

organize  such  savings  banks  with  a  paid  up  capital  stock  of  not  less  than  $10,000  in 
cities  or  towns  of  10,000  inhabitants  or  under,  and  a  paid  up  capital  stock  of  not 
less  than  $50,000  in  cities  of  over  10,000  inhabitants. 

Exemptions. — The  homestead  must  embrace  the  house  used  as  a  home  by  the  owner 
thereof  ;  and  if  he  has  two  or  more  houses  thus  used  by  him  at  different  times  and 
places  he  may  select  which  he  may  retain  as  his  homestead.  It  may  contain  one  or 
more  lots  or  tracts  of  land,  with  the  buildings  thereon,  and  other  appurtenances, 
subject  to  the  limitations  below  set  forth,  but  must  in  no  case  embrace  different  lots 
and  tracts  unless  they  are  contiguous,  or  unless  they  are  habitually  and  in  good 
faith  used  as  a  part  of  the  same  homestead.  If  within  a  town  plat  it  must  not 
exceed  one-half  acre  in  extent,  and  if  not  within  a  town  plat,  it  must  not  embrace 
in  the  aggregate  more  more  than  forty  acres.  When  thus  limited,  if  in  either  case 
its  value  be  less  than  $500,  it  may  be  enlarged  until  its  value  reaches  that  amount. 
It  must  not  embrace  more  than  one  dwelling  house,  or  any  other  buildings  except 
such  as  are  properly  appurtenant  to  the  homestead  as  such  ;  but  a  shop  or  other 
building  situated  thereon,  and  really  used  and  occupied  by  the  owner  in  the 
prosecution  of  his  own  ordinary  business,  and  not  exceeding  $300  in  value,  may  be 
deemed  appurtenant  to  such  homestead.  It  is  liable  for  taxes  accruing  thereon,  is 
subject  to  mechanics'  liens,  for  work,  labor  or  material  done  or  furnished 
exclusively  for  the  improvement  of  the  same,  and  may,  after  all  other  property  is 
exhausted,  be  sold  on  execution  for  debts  contracted  prior  to  its  acquisition,  except 
when  purchased  with  pension  money.  A  conveyance  or  encumbrance  of  a 
homestead  by  the  owner  is  of  no  validity  unless  the  husband  or  wife,  if  the  owner 
be  married,  concur  in  and  sign  the  same  joint  instrument.  Personal  property 
exempt  includes  tools,  instruments,  library,  necessary  team,  etc.,  of  mechanic, 
farmer,  teacher,  or  professional  man  ;  wearing  apparel,  household  and  kitchen 
furniture,  $200  ;  certain  farm  animals  and  necessary  food  for  six  months.  Fore- 
going relates  only  to  residents  being  heads  of  families ;  unmarried  persons  and  non- 
residents being  only  entitled  to  retain  their  own  clothing  and  trunks,  save  and 
except  pensioners.  Where  debtor  is  a  printer,  the  printing  press  and  types,  furniture 
and  material  up  to  $1,200  are  exempt.  Earnings  of  debtor  within  ninety  days 
of  levy  are  exempt. 

Interest.— Legal  rate  is  6  per  cent.  Parties  may  contract  in  writing  for  8  per  cent. 
Usury  forfeits  all  interest  and  costs  and  10  per  cent  of  contract  to  school  fund. 

Legal  Holidays. — Sunday,  January  1,  May  30,  July  4,  the  first  Monday  in  September, 
December  25,  Thanksgiving,  and  Labor  Day. 

Limitation  of  Actions.— On  unwritten  contracts,  those  brought  for  injuries  to 
property,  or  for  relief  on  the  ground  of  fraud  in  cases  heretofore  solely  cognizable 
in  a  court  of  chancery,  and  all  other  actions  not  otherwise  provided  for  in  this 
respect,  within  five  years.  Those  founded  on  written  contracts,  on  judgment  of 
any  courts  except  those  courts  provided  for  in  the  next  subdivision,  and  those 
brought  for  the  recovery  of  real  property,  within  ten  years.  Those  founded  on 
judgments  of  a  court  of  record,  whether  of  this  State  or  any  of  the  United  States, 
or  of  the  federal  courts  of  the  United  States,  within  twenty  years. 

Harried  Women. — A  married  woman  may  own  property  in  her  own  right,  and  man- 
age, sell,  convey  and  devise  the  same  to  the  same  extent  as  the  husband  can  prop- 
erty belnnging  to  him.  Neither  husband  or  wife  are  liable  for  the  separate  debts  of 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  51 

IOWA — CONTINUED. 

each  other ;    with  the  expenses  of  the  family  and  education  of  the  children  are 
*     chargeable  upon  the  property  of  both  husband  and  -wife,  or  either  of  them,  and  in 
relation  thereto  they  may  be  sued  jointly  or  separately. 

Notarial  Fees. — Protest  $1.75  and  twenty-five  cents  additional  for  each  notice. 

Notes  and  Bills  of  Exchange. — Upon  all  negotiable  bills  or  notes  payable  within 
the  State,  grace  is  allowed,  and  notice  of  non-acceptance,  or  non-payment,  or  both, 
is  required  according  to  the  rules  of  commercial  law.  Paper  falling  due  on  holi- 
days is  payable  the  preceding  day.  Damages  allowed  on  protested  paper,  3  to  5 
per  cent.  To  hold  indorser,  note  must  be  duly  presented,  payment  refused,  and 
indorser  notified.  Open  accounts  are  assignable.  Defense  to  non-negotiable  paper 
and  accounts  accrued  after  notice  in  writing  of  assignment  to  maker  invalid  as 
against  assignee,  providing  that  if  negotiable  paper  be  obtained  by  fraud,  the 
holder  thereof  shall  recover  no  greater  sum  than  he  paid  with  interest  and  cost. 

Stay  of  Executions. — On  sums  of  less  than  $100  including  costs,  three  months  ;  over 
$100,  six  months.  All  judgments  on  which  stay  is  taken  shall  bear  interest  at  the 
rate  of  10  per  cent,  per  annum. 

Transfer  of  Corporation  §tocks. — The  transfer  of  shares  is  not  valid,  except  as 
between  the  parties  thereto,  until  it  is  regularly  entered  on  the  books  of  the  com' 
pany,  so  as  to  show  the  name  of  the  person  by  and  to  whom  transferred,  the  num- 
bers or  other  designation  of  the  shares  and  the  date  of  the  transfer  ;  but  such  trans- 
fer shall  not  in  any  way  exempt  the  person  making  it  from  any  liability  of  said 
corporation  created  prior  thereto.  The  books  of  the  company  must  be  so  kept  as  to 
show  intelligibly  the  original  stockholders,  their  respective  interests,  the  amount 
paid  on  their  shares  and  all  transfers  thereof  ;  and  such  books,  or  a  correct  copy 
thereof,  so  far  as  the  items  mentioned  in  this  section  are  concerned,  shall  be  subject 
to  the  inspection  of  any  person  desiring  the  same. 


52 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 


KANSAS. 


County  Seat.         County. 

Abilene Dickinson. 

Alma Wabaunsee. 

Anthony Harper. 

Ashland Clark. 

A  t<-!i  l*oii Atchison. 

At  wood Rawlins. 

Belleville Republic. 

Beloit Mitchell. 

Burlington Coffee. 

Cimarroii Gray. 

Clay  Center — Clay. 

Colby Thomas. 

Cold  water Comanche. 

Columbus Cherokee. 

Concordla Cloud. 

Cottonwood 

Falls. Chase. 

Council  Grove.Morris. 

Dightou Lane. 

Dodge  City Ford. 

Eldorado Butler. 

Ellsworth Ellsworth. 

Emporia Lyon. 

Erie Neosho. 

Eureka Greenwood. 

Fort  Scott Bourbon. 

Fredo  ilia Wilson. 

Garden  City  . .  .Finney. 

Garnett Anderson. 

Girard Crawford. 

Gove Gove. 

Goodland Sherman. 

Great  Bend Barton. 

Greensburgh.  .Kiowa. 

Hays  City Ellis. 

Hiawatha Brown. 

Hill  City Graham. 

Holton Jackson. 

Howard Elk. 

Hoxie Sheridan. 

Hiigoton Stevens. 

Hutchlnson Reno. 

Independence  Montgomery 

lola Allen. 

Jetmore Hodgeman. 

Johnson  Stanton. 

Junction  City. Geary. 
Kansas  City...Wyandotte. 


Name  of  Atty. 
C.  S.  Crawford 
J.  B.  Barnes 
George  R.  Snelling 
H.  J.  Bone 
Henry  Elliston 
J.  C.  Cole 
T.  M.  Noble 
A.  E.  Ellis 
G.  E.  Manchester 
T.  H.  Reeve 
F.L.Williams 
Joseph  A.  Gill 
W.  J.  Jackson 
W.  R.  Cowley 
Caldwell  &  Ellis 

Johnston  Bros. 
Bertram  &  Nicholson 
J.  S.  Simmons 
M.  W.  Sutton 
Reddem  &  Schumacher 
Ira  E.  Lloyd 
L.  B.  Kellogg 
J.  L.  Denison 
W.  S.  Marlin 
Perry  &  Grain 
S.  S.  Kirkpatrick 
H.  F.  Mason 
Walter  Latimer 
Brown  &  Russel 
R.  C. Jones 
Hoyt  Andrews 
Swartz  &  Smith 
T.  E.  Dempey 
A.  J.  Bryant 
James  Falloon 
H.  M.  Baldwin 
J.  H.  Lowell 
John  Marshall 
M.  A.  Chambers 
Wm.  O'Conner 
Hettinger  Bros. 
Ziegler  &  Ziegler 
Campbell  &  Hawkins 
W.  S.  Kenyon 
A.  B.  Reeves 
Humphrey  &  Laundy 
Miller  &  Morris 


Name  of  Sank, 
Citizens  Bk. 
Alma  State  Bk. 
First  Natl.  Bk. 

Farmers  &  Stockgrowers  Bk. 
First  Natl.  Bk. 
Rawlins  Co.  Bk. 
Natl.  Bk.  of  Belleville. 
Beloit  State  Bk. 
Peopels  Natl.  Bk. 
Cimarron  Bk. 
First  Natl  Bk. 
Thomas.  Co.  Bk. 
Comanche  Co.  State  Bk. 
Cherokee  Co.  Bk. 
First  Natl.  Bk. 

Chase  Co.  Natl.  Bk. 
Farmers  &  Drovers  Bk. 
First  Natl.  Bk. 
Bk.  of  Dodge  City. 
Farmers  &  Merchants  Natl.  Bk. 
Central  Natl.  Bk. 
First  Natl.  Bk. 
Bk.  of  Erie. 
First  Natl   Bk. 
Bk.  of  Ft.  Scott. 
Wilson  Co.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
Exchange  Bk. 
Sherman  Co.  Bk. 
J.  V.  Brinkman  Co.  Bk. 
See  Pratt. 
Bk.  of  Hays  City. 
Morrill  &  Janes  Bk. 
Farmers  &  Merchants  Bk. 
State  Bk.  of  Holton. 
First  Natl.  Bk. 
Sheridan  Co.  Bk. 
See  Meade. 
First  Natl.  Bk. 
Commercial  Natl.  Bk. 
Bk  of  Allen  Co. 
First  State  Bk. 
See  Syracuse 
First  Natl.  Bk. 
Wyandotte  Natl.  Bk. 


Cashier. 
T.  H.  Malott. 
L.  Palenske. 
P.  G.  Walton. 

A.  M.  Van 

Laningham. 
S.  A.  Frazier. 

B.  D.  Hensley. 

D.  D.  Bramwell. 
M.  M.  Rowley. 
A.  P.  Brigham. 

C.  S.  Warner. 
P.  P.  Kehoe. 
W.  S.  Ferguson. 
J.  M.  Lobaugh. 
H.  A.  La  Rue. 
W.  W.  Bowman. 

W.  W.  Sanders. 
A.  Moser,  Jr. 

F.  W.  King. 

E.  F.  Kellogg. 
E.  C.  Ellet. 

G.  T.  Tremble. 

D.  M.  Davis. 
C.  C.  Dutoon. 
Ira  P.  Nye. 

C.  F.  Martin. 
J.  D.  Allen. 

D.  R.  Menke. 
Ed.  L.  Foster. 
J.  T.  Leonard. 
G.  A.  Jones. 
J.  M.  Jordan. 
Louis  Zutavern. 

L.  G.  Little. 
C.  D.  Lamme. 
H.  W.  Robinson. 
A.  Dunn,  Jr. 
C.  F.  Plowman. 
P.  G.  Walker. 

E.  L.  Meyer. 

G.  T.  Guernsey. 
H.  M.  Miller. 
C.  E.  Wilson. 

C.  W.  Strickland. 
C.  W.  Trickett. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF    AMERICA. 


53 


KANSAS — CONTINUED. 

County  Seat.         County.  Name  of  Atty.  Name  of  Bank.  Cashier. 

Kihgman Kingman.  Hay  &  Hay  First  Natl.  Bk.  A.  C.  Tredick. 

Kinsley Edwards.  F.  D.  Smith  Kinsley  Bk.  F.  B.  Hine. 

LaCrosse Rush.  H.L.Anderson  First  Natl.  Bk.  H.  L.  Baker. 

Lakln Kearney.  M.  G.  Kelso  Kearney  Co.  Bk.  B.B.Bacon. 

Lamed Pawnee.  W.  H.  Vernon  First  Natl.  Bk.  O.  F.  Norwood. 

Lawrence Douglass.  S.  0.  Thacher  Lawrence  Natl.  Bk.          .  W.  L.  Howe. 

Leaven  worth  .Leaven  worth.  W.  C.  Hook  Leavenworth  Natl.  Bk.  Edward  Carroll. 

LeotI Wichita.  J.  S.  Caldwell  First  State  Bk.  I.B.Martin. 

Lincoln Lincoln.  C.  B.  Daughters  Lincoln  State  Bk.  Frank  F.  Chase. 

Lyndon   Osage.  J.  H.  Stavely  Peoples  State  Bk.  A.  L.  Wilson. 

Lyons Rice.  Jones  &  Jones  Lyons  Exchange  Bk.  J.  H.  Eble. 

?IcPherson....McPherson.  Grattam  &  Grattam  First  Natl.  Bk.  A.  E.  Dwelle. 

Manhattan Riley.  John  E.  Hessin  First  Natl.  Bk.  G.  S.  Murphy. 

llaiikato Jewell.  G.  H.  Bailey  Bk.  of  Mankato  J.  P.  Fair. 

Marion Marion.  H.  A.  McLean.  First  State  Bk.  C.  H.  Cnrtsi. 

llarysville Marshall.  J.  A.  Broughten  Exchange  Bk.  Chas. D. Schmidt. 

OTeade Meade.  Bodle  &  Bodle  Stockgrowers  &  Farmers  Bk.         O.  Hamilton. 

MEDICINE  LODGE.. Barbour.  G.  M   Martin  Citizens  State  Bk.  F.  B.  Chapin. 
Minneapolis... Ottawa.  Rees  &  Tomlinson  Citizens  Natl.  Bk.  J.  W.  Smith. 
Jlound  City.... Linn.  James  D.  Snoddy  Farmers  &  Merchants  Bk.  H.  C.  Reese- 
Ness  City Ness.  Thomas  Berry  First  Natl.  Bk.  C.L.Rogers. 

Newton    Harvey.  Bowman  &  Bucher  First  Natl.  Bk.  A.B.Gilbert. 

Norton Norton.  L.  H.  Wilder  First  Natl.  Bk.  F.  S.  Hazelton. 

Oakley Logan.  K.  E.  Wilcockson  Bk.  of  Oakley.  H.  F.  Gressler. 

Oberlin Decatur.  Bertram  &  McElroy  Oberlin  Natl.  Bk.  Otis  L.  Benton. 

Olatne Johnson.  Parker  &  Hamilton  First  Natl.  Bk.  J.  L.  Price. 

Osborne Osborne.  Robinson  &  McBride  First  Natl.  Bk.  Grover  Walker. 

Oskaloosa Jefferson.  Marshall  Gephard  Jefferson  Co.  Bk.  M.  L.  Critchfield  • 

Oswego Labette.  Nelson  Case  Labette  Co.  Bk.  J.  M.  Berry. 

Ottawa Franklin.  Wm.  H.  Clark.  Peoples  Natl.  Bk.  Peter  Shiras. 

Paola Miami.  John  C.  Sheridan  Miami  Co.  Natl.  Bk.  Wm.  Crowell. 

PHILLIPSBURGH... Phillips.  C.L.Lewis  First  Natl.  Bk.  W.  D.  Granger. 

Pratt Pratt.  Thompson  &  Apt  First  Natl.  Bk.  G.  Carlander. 

Rlchneld Morton.  G.  P.  Craddock  See  Meade 

Russell Russell.  Sutton  &  Russell  Russell  State  Bk.  Albert  YoxalL 

Sallna Saline.  Milliken  &  Musser.  Natl.  Bk.  of  America  Frank  Hageman- 

Santa  Fe Haskell.  See  Cimarron 

Scott Scott.  Travis  Morse  Bk.  of  Scott  City  S.  C.  Grable. 

Sedan Chautanqna.  Hill.  Fitzpatrick  &  McGuire. First  Natl.  Bk.  J.T.Bradley. 

Seneca  Nemaha.  S.  K.  Woodworth  State  Bk.  of  Seneca  John  A  Gilchrist. 

SharonSprlngsWallace.  W.  S.  Roark  Bk.  of  Sharon  Springs 

Smith  Center.. Smith.  L.  C.  Uhl  First  Natl.  Bk.  J.  D.  Mossman. 

Springfield Seward.  W.  A.  Flush  See  Meade 

St.  Fraiiels Cheyenne.  Thomas  F.  Eagan  Bk.  of  St.  Francis  W.  C.  Willite. 

St.  John Stafford.  Moseley  &  Dixon  St.  John  State  Bk.  Howard  Gray. 

Stockton Roks.  W.  B.  Ham  Exchange  Bk.  E.J.Williams. 

Syracuse Hamilton.  George  Getty  Bk.  of  Syracuse  W.  F.  Reed  &  Co. 

Topeka Shawnee.  J.  D.  McFarland  Bk.  of  Topeka  J.  W.  Thureton. 

Tribune Greeley.  W.M.Glenn  Bk.  of  Tribune  C.  E.  Wightman. 


54  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

KANSAS — CONTINUED. 

County  Seat.         County.  NameofAtty.  Name  of  Bank.  Cashier. 

Troy Doniphan.      C.  C.  Camp  Bk.  of  Troy  H.  L.  Boder. 

Ulysses Grant.  J.W.Jordan  At  Lakin,  Kearney  Co.  Bk.  B.B.Bacon. 

Wa  Keeiiey....Trego.  W.  E.  Saum  Wa  Keeney  State  Bk.  R.C.Wilson. 

Washington  ..Washington.  Charles  Smith  Washington  Natl.  Bk.  J.  S.  Alspaugh. 

Welllngton....Sumner.          W.  W.  Schwinn  Wellington  Natl.  Bk.  W.H.Burks. 

WestmorelaiidPottavvatomieSmith  &  Badgley  First  Natl.  Bk.  Warren  Anthony 

Wichita Sedgwick.       Campbell  &  Dyer  Fourth  Natl.  Bk.  J.M.Moore. 

Winfield Cowley.          J.  C.  Pollock  Winfield  Natl.  Bk.  Wm.  E.  Otis. 

Yates  Center...  Woodgon.       J.  E.  Wirick  Yates  Center  Bk.  H.  H.  Winter. 


DIGEST  OF  KANSAS  COMMERCIAL  LAWS. 

Assignments. — Assignments  may  be  made  for  the  benefit  of  all  creditors,  without  pref- 
erence. 

Attachments. — An  attachment  will  be  issued  when  the  defendant  is  a  foreign  corporation 
or  a  non-resident  of  the  State  (but  in  this  case  for  no  other  claim  than  a  demand 
arising  upon  contract,  judgment  or  decree,  unless  the  cause  of  action  arose  wholly 
within  the  limits  of  this  State);  where  the  defendant  has  absconded  with  the  intent 
of  defrauding  his  creditors  ;  where  the  defendant  has  left  the  county  of  his  resi- 
dence to  avoid  the  service  of  his  summons  ;  or  so  conceals  himself  that  a  summons 
cannot  be  served  upon  him  ;  or  is  about  to  remove  his  property,  or  a  part  thereof, 
out  of  the  jurisdiction  of  the  court ;  or  is  about  to  convert  his  property,  or  a  part 
thereof,  into  money  for  the  purpose  of  placing  it  beyond  the  reach  of  his  creditors ; 
or  has  property  or  rights  in  action  which  he  conceals  ;  or  has  assigned,  removed  or 
disposed  of,  or  is  about  to  dispose  of  his  property,  or  a  part  thereof;  or  fraudu- 
lently contracted  the  debt  or  incurred  the  debt,  liability  or  obligation. 

Bank  Laws. — Any  five  or  more  persons  in  this  State  may  organize  themselves  into  a 
banking  association,  and  shall  be  permitted  to  carry  on  the  business  of  receiving 
money  on  deposit  and  to  allow  interest  thereon,  giving  to  the  person  depositing 
credit  therefor  ;  and  of  buying  and  selling  exchange,  gold,  silver,  coin,  bullion,  un- 
current  money,  bonds  of  the  United  States,  of  the  State  of  Kansas,  and  of  the  city, 
county  and  school  district  in  which  any  association  shall  be  organized ;  of  loaning 
money  on  real  estate  and  personal  security,  at  a  rate  of  interest  not  to  exceed  the 
legal  rate  allowed  to  banks;  and  of  discounting  negotiable  notes  and  notes  not  negoti- 
able. The  name  selected  for  such  bank  shall  not  be  the  name  of  any  other 
bank  doing  business  in  the  State.  The  capital  stock  shall  not  be  less  than  $50,000, 
of  which  half  must  be  paid  in  before  commencing  business  and  not  less  than  10  per 
cent,  each  month  thereafter  until  all  is  paid.  Capital  maybe  increased,  the  increase 
to  be  paid  in  full.  Twenty  per  cent,  of  deposits  must  be  kept  on  hand  or  on  de- 
posit with  solvent  banks,  at  least  half  of  which  must  be  in  cash  on  hand.  Not  more 
than  12  per  cent,  of  capital  and  surplus  shall  be  loaned  to  one  debtor.  Officers 
criminally  liable  for  receiving  deposits  when  bank  is  insolvent.  Dividends  can 
only  be  paid  out  of  net  profits  after  deducting  bad  debts.  Private  banks  are  sub- 
jected to  the  provisions  of  the  law.  The  Bank  Commissioner  or  deputy  must  make 
examination  of  each  bank  at  least  once  a  year.  Four  reports  per  annum  are  re- 
quired and  the  Commissioner  may  call  for  others.  The  reports  are  practically  the 
same  as  those  required  of  national  banks.  Refusal  to  comply  with  the  law  forfeits 
charter. 


THE    LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA.  55 

KANSAS— CONTINUED. 

Exemptions. — One  hundred  and  sixty  acres  farming  land  or  one  acre  in  incorporated 
city,  with  all  improvements  thereon,  while  occupied  by  family  of  owner,  cannot  be 
alienated,  except  by  joint  consent  of  husband  and  wife.  No  exemption  for  pur- 
chase money  or  for  improvements  erected  on  homestead.  Every  person  being  the 
head  of  a  family  shall  have  exempt  personal  property  not  exceeding  $500  ;  cattle, 
implements,  etc.,  not  exceeding  $300;  grain,  meat,  vegetables,  groceries,  etc.,  for 
the  family  for  one  year  ;  the  tools  and  implements  of  any  mechanic,  minor,  or  other 
person,  and  in  addition  thereto  stock-in-trade  not  exceeding  $400  in  value,  library, 
implements,  and  office  furniture  of  any  professional  man.  Residents,  not  the  head 
of  a  family,  have  tools,  implements,  and  stock-in-trade  up  to  $400  exempt  from 
execution. 

Interest. — Six  per  cent.  May  contract  in  writing  for  10  ;  if  more  than  10  per  cent,  is 
contracted  for,  double  the  excess  of  10  per  cent,  is  forfeited.  Usury  does  not  affect 
bonafide  holder  of  negotiable  paper  without  notice,  but  after  payment  double  the 
excess  paid  may  be  recovered  back  of  person  originally  exacting  the  usury,  if  suit 
be  brought  within  ninety  days  after  maturity  of  such  paper. 

Legal  Holidays. — Sunday,  January  1,  May  30,  July  4,  December  25,  Public  Fast  and 
Thanksgiving,  Labor  Day. 

Limitation  of  Action*. — An  action  upon  any  agreement,  contract  or  promise  in 
writing,  within  five  years.  An  action  on  a  contract  not  in  writing,  express  or 
implied,  on  a  liability  created  by  statute  other  than  a  forfeiture  or  a  penalty,  within 
three  years.  An  action  for  trespass  upon  real  property  for  taking,  detaining  or 
injuring  personal  property,  including  replevin,  for  injury  to  the  rights  of  another, 
not  hereinafter  enumerated,  for  relief  on  the  ground  of  fraud,  within  two  years  ;  in 
case  of  fraud,  cause  of  action  does  not  accrue  until  discovery  of  the  fraud. 

Married  Women. — The  property,  real  and  personal,  which  any  woman  in  this  State 
may  own  at  the  time  of  her  marriage,  or  which  may  come  to  her  otherwise  than  by 
her  husband,  shall  remain  her  sole  and  separate  property,  and  not  to  be  subject  to 
the  disposal  of  her  husband  or  liable  for  his  debts.  A  woman  may,  while  married, 
sue  and  be  sued  in  the  same  manner  as  if  she  were  unmarried. 

Notarial  Fees.— Protest,  $1.50. 

Notes  and  Bills  of  Exchange. — All  bonds,  notes,  and  bills  of  exchange,  foreign  and 
inland,  drawn  for  any  sum  or  sums  of  money,  and  made  payable  to  any  person  or 
bearer  shall  be  negotiable  by  indorsement  thereon  if  payable  to  order,  and  by  deliv- 
ery if  payable  to  bearer,  so  as  to  absolutely  transfer  and  vest  the  property  thereof 
in  each  and  every  indorsee  or  holder,  successively.  No  person  or  persons,  bank  or 
body  corporate,  residing  or  doing  business  within  the  limits  of  this  State,  can  be 
held  liable  for  protest  damages  on  any  bond,  note  or  bill  protested  for  non-accept- 
ance or  non-payment.  All  bonds,  notes  and  bills  of  exchange,  except  bank  checks 
and  sight  drafts  made  negotiable,  shall  be  entitled  to  three  days'  grace.  Paper 
maturing  on  a  holiday  becomes  due  on  the  day  previous. 

Stay  of  Executions. — In  Justice  Courts,  by  filing  bond,  on  twenty  dollars  and  under, 
thirty  days ;  twenty  to  fifty  dollars,  sixty  days  ;  fifty  to  one  hundred  dollars,  ninety 
days  ;  over  one  hundred  dollars,  one  hundred  and  twenty  days. 

Transfer  of  Corporation  Slock*. — Shares  of  stock  may  be  transferred  by  endorse- 
ment, on  the  books  of  the  company,  or  as  prescribed  by  the  by-laws.  The  mere 
assignment  and  delivery  of  stock  certificates  does  not  divest  the  tranferrer  of  indi- 
vidual liability  until  the  stock  sold  has  been  transferred  on  the  books  of  the  corpor- 
ation. 


56 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


KENTUCKY. 


County  Seat.  County.  NameofAtty. 

Albany Clinton.  S.  C.  Hardin 

Barboursville.Kr.ox.  John  Dishman 

Bardatown Nelson.  John  D.  Wickliffe 

Bard  well Carlisle.  J.  A.  Ray 

Beatiy ville  . . . .Lee.  G.  W.  Gourley 

Bedford Trimble.  W.  F.  Peak 

Beiitoii Marshall.  J.  W.  Dyens 

Booiiev Hie Owsley.  J.  M.  Sebastien 

BOWLING  GREEN.. Warren.  John  M.  Galloway 

BRANDENBURGH.-.Meade.  J.W.Lewis 

Brookville Bracken.  H.  P.  Willis 

Brownsville    .Edmundson.  A.  A.  Sturgeon 
Burkesville.... Cumberland.  M.  0.  Allen 

Burlington Boone.  F.  Riddell 

Cadis Trigs-  R.  A.  Burnett 

Calliouii McLean.  Wm.  B.  Noe 

CAMPBELLSVILLE. Taylor.  J.  R.  Robinson 

Cainpton Wolfe.  Joseph  C.  Lykins 

Carlisle Nicholas.  H.  Kennedy 

Carrollton Carroll.  E.  C.  Smith 

Cattlesburgli..Boyd.  Thomas  R.  Brown 

Clinton Hickman.  George  W.  Griffey 

Columbia Adair.  H   B.  Miller 

Covington Eenton.  Chas.  S.  Furber 

Cyntliiana Harrison.  Blanton  &  Berry 

Danville Boyle.  R.P.Jacobs 

Mi  x  on Webster.  F.  M.  Baker 

Eddyville Lyon.  T.  J.  Watkins 

Edmonton  Metcalf.  J.  C.  Muncie 

ELIZABETHTOWN  .  .Hardin.  S.  H.  Bush 

Elkton Todd.  H.  G.  Petrie 

Falmoutli Pendlelon.  L.  T.  Applegate 

Flemingburg. .Fleming.  W.  G.  Dearing 

Frankfort Franklin.  John  W.  Rodman 

Franklin Simpson.  Walker  &  Walker 

Frencliburg...  .Menilee.  J.  H.  Williams 

Georgetown  ..Scott.  James  Y.  Kelly 

Glasgow  Barren.  Boles  &  Duff 

Graynon Carter.  Frank  Powers 

Greensburgh.. Green.  Jeff.  Henry 

Greenup Greenup.  B.  E.  Roe 

Greensville  . ..  .MuhlenburghW.  A.  Wickliffe 
HARDINSBURGH  . .  .Breckenridge. Morris  Eskridge 

lliirlaii Harlan.  W.  F.  Hall 

Harrodsburg.. Mercer.  Bell  &  Bell 

Hartford Ohio.  Taylor  &  McHenry 

Hawesvllle Hancock.  T.  B.  White 


Name  of  Bank. 
See  Somerset 
Bk.  of  John  A.  Black 
Bk.  of  Wilson  &  Muir 
Bardwell  Deposit  Bk. 
See  Richmond 
Bedford  Loan  &  Dep.  Bk. 
Bk.  of  Benton 
See  Richmond 
Potters  Bk. 

Meade  Co.  Deposit  Bk. 
Bracken  Co.  Bk. 

Bk.  at  Smiths  Grove,  Deposit  Bk. 
Bk.  of  Cumberland 
BocneCo.  Dep.  Bk. 
Trigg  Co.  Farmers  Bk. 
Bk.  of  Calhoun 
Bk.  of  Campbellsville 
At  Clay  City,  Clay  City  Natl.  Bk. 
Deposit  Bk. 
First  Natl.  Bk. 
CattlesburghNatl.  Bk. 
Clinton  Bk. 
Bk.  of  Columbia. 
Citizens  Natl.  Bk. 
Natl.  Bk.  of  Cynthiana 
Boyle  Natl.  Bk. 
Dixon  Bk. 
Farmers  Bk. 
See  Columbia 
Bk.  of  Elirabethtown 
Farmers  &  Merchants  Bk. 
Falmouth  Dep.  Bk. 
Fleming  Co.  Farmers  Bk. 
State  Natl.  Bk. 
Simpson  Co.  Bk. 
See  Mt.  Sterling 
First  Natl.  Bk. 
First  Natl.  Bk. 
Commercial  Bk. 
Greensburgh  Dep.  Bk. 
Farmers  &  Merchants  Bk. 
First  Natl.  Bk. 
Bk.  of  Hardinsburgh 
See  Pineville 
First  Natl.  Bk. 
Bk.  of  Hartford 
Hancock  Dep.  Bk. 


Cashier. 


Eugene  Wilson. 
H.  H.  Loving. 

W.  E.  Logan. 
Solon  L.  Palmer. 

J.  E.  Potter. 
J.  L.  Fairleigh. 
Y.  Alexander. 
E.  Bland. 
J.  A.  Dixon. 
J.  C.  Revill. 

E.  R.  Street. 
A.  L.  Moseley. 
John  N.  Turner. 
J.  F.  Cox. 

F.  E.  Congleton. 
John  M.  Giltner. 
James  Trimble. 
J.  M.  Ringo. 

J.  Coffey. 
Wm.  G.  Allen. 
J.  S.  Withers. 
H.  G.  Sanifer. 
C.  A.  Davis. 
M.  P.  Molloy. 

W.C.Montgomery 
S.  H.  Perkins. 
J.  E.  Bohennon. 
John  W.  Heflin. 
C.  E.  Hoge. 
A.  T.  Bradley. 

W.  G.  Abbett. 
W.  B.  Smith. 

A.  T.  Henderson. 

B.  W.  Penick. 
J.  E.  Pollock. 
Edgar  D.  Martin. 
M.  H.  Beard. 

H.  C.  Bohom. 
John  C.  Riley. 
W.  S.  Thomas. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


57 


KENTUCKY— CONTINUED. 

County  Seat.          County.  Xame  qf  Atty.  Same  of  Bank.  Cashier. 

Hazard Perry.  J.  H.  Combes  See  Manchester 

Henderson  Henderson.  Yeaman  &  Lockett  Planters  State  Bk.  David  Banks. 

Hicknian Fulton.  B.  T.  Davis.  Hickman  Bk.  W.  C.  Johnson. 

Hindiuaii Enott.  Tyne  &  Adams  See  Pikeville 

Hodgenvllle  ...La  Rue.  D.  H.  Smith  La  Rue  Co.  Dep.  Bk.  J.  W.  Muir,  Jr. 

Hopklnsvllle..  Christian.  Petree  &  Downer  City  Bk.  W.T.Tandy. 

Hyden Leslie.  John  L.  Dixon  See  Manchester 

Inez Martin.  J.  S.  Patton  See  Pikeville. 

Irvine Estill.  V.  P.  Smith  See  Richmond 

Jackson Brethitt.  D.  S.  Hobson  At  Clay  City,  Clay  City  Natl.  Bk.     J.  F.  Cox. 

Jamestown Russell.  Jas  F.  Montgomery  See  Columbia 

La  Grange Oldham.  A.  T.  Ladd  Oldham  Bk.  J.T.Wilson. 

Lancaster Garrard.  Wrti.  Hearndon  Citizens  Natl.  Bk.  B.F.Hudson. 

LAWRENCEBURGH  .Anderson.  F.  R.  Feland  Lawrenceburgh  Bk.  J.  M.  Johnson. 

Lebanon Marion.  Sam.  T.  Spaulding  Marion  Natl.  Bk.  J.  M.  Enott. 

Leltchfield Grayson.  G.  W.  Stone  Grayson  Co.  Bk.  6.  W.  Long. 

Lexington Fayette.  Thornton  &  Kerr  Phoenix  Natl.  Bk.  J.  W.  Rodes. 

Liberty Casey.  Silas  Adams  See  Campbellsville 

London Laurel.  W.S.Jackson  First  Natl.  Bk.  R.M.Jackson. 

Louisa Lawrence.  Alex.  Lackey  Bk.  of  Louisa  G.  R.  Vinson. 

Louisville Jefferson.  Barnett.  Miller  &  Barnett     Union  Natl.  Bk.  L.  O.  Cox. 

McKee Jackson.  W.H.Clark  See  Richmond 

Madlsonvllle.  .Hopkins.  Waddill  &  Nunn  Bk.  of  John  G.  Morton  W.C.Morton. 

Manchester — Clay.  J.  H.  Garrard  Bk.  of  Manchester  R.  C.  Ford. 

Marlon Crittenden.  James  &  James  Marion  Bk.  Thos.  J.  Yandell . 

May  field Graves.  W?  W.  Robertson  Bk.  of  Mayfield  R.  A.  Mayes. 

Maysvllle Mason.  Cochran&Sons  First  Natl.  Bk.  W.  W.  Ball. 

Montlcello Wayne.  Joseph  Bertram  Monticello  Bkg.  Co.  W.  L.  Baker. 

Morehead Rowan.  John  R.  Powers  See  Mt.  Sterling 

Morgaiineld....  Union.  Adair  &  Morton  Peoples  Bk.  W.M.Morgan. 

Morgantown.. Butler.  W.  A.  Helm  Morgantown  Dep.  Bk.  John  M.  Carson. 

Mt.  Olivet Robertson.  J.  J.  Osborne  Mt.  Olivet  Dep.  Bk.  A.  S.  Rice. 

MountSterllngMontgomery.J.  Grand,  R.  H.  Winn  Mt.  Sterling  Natl.  Bk.  Pierce  Winn. 

Mount  VernonRock  Castle.  C.C.Williams  See  Stanford 

Munfordvllle  .Hart.  H.  W.  Curie  Hart  Co.  Dep.  &  Tr.  Co.  George  D.  Mintz. 

blurry Galloway.  T.  P.  Cook  Bk.  of  Murry.  W.  P.  Gatlin. 

New  Castle Henry.  J.  D.  Carroll  Bk.  of  New  Castle.  J.  W.  Mathews. 

Newport Campbell.  Will  H.  Lyons  First  Natl.  Bk.  T.  B.  Youtsey. 

Nlcholasvllle  .Jesamine.  J.  S.  Bronaugh  &  Son  Farmers  Ex.  Bk.  B.  M.  Arnetl. 

Owensboro' — Daviess.  Sweeney,  Ellis  &  Sweeney    Owensboro'  Natl.  Bk.  Lawson  Reno. 

Owentou Owen.  E.  E.  Settle  Farmers  Natl.  Bk.  J.  Holbrook. 

Owliigsvllle . .  .Bath.  R.  Gudgell  &  Son  Farmers  Bk.  H.  8.  Goodpaster. 

Paducah McCracken.  Greer  &  Reed  First  Natl.  Bk.  T.  A.  Baker. 

Palntsvllle  ....Johnson.  J.  P.  Wells  See  Louisa 

Paris Bourbon.  Mann  &  Ashbrook  Agricultural  Bk.  Henry  Spears. 

Pikeville Pike.  Connolly  &  Connolly  Bk.  of  Pikeville  L.J.Williamson 

Plnevllle Bell.  D.  B.  Logan  First  Natl.  Bk.  J.  R.  Rice. 

Prestonburg  ..Floyd.  F.A.Hopkins  The  Bk.  of  Josephine  A.J.Davidson. 


58 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


KENTUCKY— CONTINUED. 


County  Seat. 

County. 

Name  of  Atty. 

Name  of  Bank. 

Princeton  

Caldwell. 

Wm.  Marble 

First  Natl.  Bk. 

Richmond  .... 

.Madison. 

J.  A.  Sullivan 

Madison  Natl.  Bk. 

Russelvllle  .  .  . 

.  Logan. 

S.  R.  Crewdson 

Logan  Co.  Bk. 

Salyersvllle  ... 

.Magoffin. 

T.  J.  Arnett 

See  Prestonburg 

Sandy  Hook.. 

.Elliott. 

M.  M.  Redwine 

See  Louisa 

Scottsville  

.Allen. 

J.  J.  Gatewood 

See  Franklin 

Shelbyville  .  .  . 

.  Shelby. 

T.  J.  Beard 

Citizens  Bk. 

SHEPHERDSVILLE 

.Bullitt. 

J.  F.  Combs 

Bullitt  Co.  Bk. 

Smitland  

.Livingston. 

J.  W.  Bush 

See  Paducah 

Somerset  

Pulaski. 

0.  H.  Waddle 

First  Natl.  Bk. 

Springfield  

.Washington. 

Thomas  W.  Simms,  Jr. 

First  Natl.  Bk. 

Stanford  

Lincoln. 

J.  B.  Paxton 

First  Natl.  Bk. 

Stanton  

Powell. 

John  D.  Atkinson 

See  Winchester 

Taylorsvllle  .  . 

.  Spencer. 

L.  B.  Brown 

Bk.  of  Taylorsville 

TOMPKINSVILLE.. 

.Monroe. 

M.  T.  Flippin 

Dep.  Bk.  of  Monroe  Co. 

Vanceburgh  .  . 

.  Lewis. 

Thomas  &  Pugh 

Deposit  Bk. 

Versailles  

Woodford. 

E.  M.  Wallace 

Bk.  of  J.  Amsden  &  Co. 

Warsaw  

Gallatin. 

D.  E.  Castleman 

Warsaw  Dep.  Bk. 

West  liberty. 

.Morgan. 

S.  J.  Sayler 

See  Grayson 

Whltesburgh 

.Letcher. 

J.  P.  Mares 

See  Pikeville 

Wlckllfle  

.Ballard. 

White  &  White 

See  Bardwell 

WILLIAMSBURGH. 

.Whitley. 

R.  D.  Hill 

Bk.  of  Williamsburgh 

WILLIAMSTOWN.. 

.Grant. 

A.  G.  Dejarnette 

Grant  Co.  Dep.  Bk. 

Winchester.  .  . 

.Clark. 

Beckner  &  Jouett 

Clark  Co.  National  Bk. 

Cashier. 

Edward  Garrett. 
C.  D.  Chenault. 
H.  B.  Caldwell. 


J.  C.  Burnett. 
C.  F.  Trontman. 

J.  A.  McGee. 
A.  C.  McElroy. 
J.  J.  McRoberts. 

H.  H.  Mathis. 
J.  H.  Richardson. 
Thomas  S.  Clark. 
J.  P.  Amsden. 
J.  E.  Mountjoy. 


John  W.  Siler. 
C.  C.  Nespitt. 
B.  F.  Curtis. 


DIGEST  OF  KENTUCKY  COMMERCIAL  LAWS. 

Assignments. — Voluntary  assignments  for  the  benefit  of  all  creditors  are  governed  by 
common  law  rules,  the  State  having  no  statute  regulating  the  same.  Disposing  of 
property  by  an  insolvent  debtor  for  the  purpose  of  preference  or  defrauding  credi- 
tors, operates  under  statute  as  an  assignment  for  the  benefit  of  all  creditors. 

Attachments. — Grounds  of  attachment :  Non-residence  of  the  defendant  or  foreign  cor- 
poration; or  has  been  absent  from  the  State  four  months;  or  has  departed  this  State 
with  intent  to  defraud  creditors ;  or  has  left  the  county  of  his  residence  to  avoid 
service  of  summons,  or  conceals  himself  to  avoid  service  of  summons;  or  is  about 
to  remove,  or  has  removed  his  property,  or  a  material  part  thereof,  out  of  this 
State,  not  leaving  enough  to  satisfy  plaintiff's  claim;  or  has  sold  or  disposed  of  his 
property  with  intent  to  defraud,  hinder  or  delay  creditors;  or  is  about  to  sell,  con- 
vey, or  otherwise  dispose  of  his  property  with  such  intent. 

Bank  Law*. — State  banks  are  only  chartered  by  the  Legislature.  There  is  no  supervision 
of  banks  by  the  State  authorities,  but  such  banks  are  required  to  make  and  publish 
semi-annually,  on  the  first  of  January  and  July,  a  statement  of  their  condition, 
verified  under  oath,  and  a  copy  of  this  statement  must  also  be  filed  with  the  State 
Auditor.  Minors  and  married  women  may  make  deposits  in  their  own  names,  and 
draw  checks  on  the  same  as  if  of  full  age  or  unmarried. 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA.  59 

KENTUCKY— CONTINUED. 

Exemptions. — Homestead  not  to  exceed  in  value  $1,000,  is  exempt  to  the  head  of  the 
family  when  occupied  by  the  family,  and  can  be  conveyed  by  joint  deed  of  husband 
or  wife. 

Interest. — Legal  rate  is  6  per  cent.  All  usurious  contracts  are  void  to  the  extent  of  the 
usury.  Usury  paid  to  assignee  of  the  lender  may  be  recovered  of  the  lender.  Usury 
paid  may  be  recovered. 

Legal  Holidays. — Sunday,  January  1,  February  22,  July  4,  December  25,  Public  Fast 
and  Thanksgiving,  Decoration  Day  and  Labor  Day. 

Limitation  of  Actions. — On  judgments,  notes  and  bonds,  fifteen  years  ;  contracts 
not  in  writing,  five  years  ;  for  personal  injuries,  by  railroads  and  other  companies, 
seduction,  slander,  etc.,  one  year.  For  the  recovery  of  real  estate  the  action  is 
barred  ordinarily  in  fifteen  years  from  the  accruing  of  the  action. 

Married  Women.— Can  bind  her  general  real  estate  for  her  husband's  debt  only  by 
mortgage,  executed  by  herself ;  and  husband  cannot  bind  her  general  estate  by 
note  or  otherwise,  except  by  a  lease  for  a  term  not  exceeding  three  years,  may  be 
empowered  by  a  Court  of  Equity  to  trade  as  &femme  sole. 

Notarial  Fees.— Protest  $1.25  and  twenty-five  cents  for  each  endorser. 

Notes  and  Bills  of  Exchange. — All  bills  of  exchange  are  negotiable,  but  notes  are 
only  made  so  when  "  payable  and  negotiable  at  a  bank."  Non-negotiable  instru- 
ments are  assignable  so  as  to  vest  a  right  of  action  in  the  assignee,  but  any  defense 
good  against  the  payee  and  arising  before  notice  of  the  assignment  is  good  against 
the  assignee.  Indorsers  of  non-negotiable  notes  can  only  be  held  after  suit  and 
return  of  "no  property"  against  the  maker  commenced  and  prosecuted  with  due 
diligence.  Three  days  of  grace  are  allowed  by  custom.  Paper  maturing  on  a 
holiday  becomes  due  the  day  preceding.  Protest  should  be  made  upon  the  last  day  of 
grace.  It  is  essential  to  a  recovery  against  indorsers  on  foreign  bills  of  negotiable  notes 
placed  in  their  rank,  but  an  inland  bill  is  not  required  by  law  to  be  protested,  nor 
is  a  certificate  of  a  notary  of  such  protest  evidence  of  itself  of  dishonor. 

Stay  of  Execution*. — An  execution  may  be  replevied  for  three  months  at  any  time 
before  sale  by  defendant  giving  good  security. 

Transfer  of  Corporation  Stocks.— Transferable  on  the  books  of  the  corporation. 


60 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


LOUISIANA. 

Ceunty  Seat.         County.  NameofAtty.  Name  of  Bank.  Cashier. 

Abbeville Vermillion.     W.W.Edwards.  Bk.  of  Abbeville  L.  O.  Drongsard. 

Alexandria Rapides.         White  &  Thornton  Rapides  Bk.  Charles  Owen. 

Amite  City Tangipahoa.  Wm.  B.  Kemp  At  Hammond,  Bk.  of  Hammond       Arthur  Tong. 

Arcadia  Bienville.        J.  E.  Reynolds  Bk.  of  North  Louisiana  S.  W.  Smith,  Jr. 

Bastrop Morehouse.     Bussey  &  Naft  Bastrop  State  Bk.  Alex.  B.  Marks. 

Baton  Rouge. EBatonKougeKernan  &  Laycock  Bk.  of  Baton  Rouge  Joseph  Gebelin. 

Bayou  Sara...  W.  Feliciana.S.  McLawrason  Bk.  of  West  Feliciana  E.  J.  Buck. 

Benton Bossier.  See  Shreveport 

Cameron Cameron.        Alexandre  Dupuis  See  Lake  Charles 

Clinton E.  Feliciana.  W.  F.  Kernen  See  Bayou  Sara 

C'ollax Grant.  W.C.Roberts  See  Alexandria 

Columbia Caldwell.        S.H.Gilbert  See  Monroe 

Convent St.  James.      Sims  &  Poche  See  Donaldsonville 

Consnatta Red  River.      J.  C.  Eagan  See  Minden 

Covlngton St.Tammany.F.  F.  Guyot  See  New  Orleans 

Crowley Acadia.  P.  J.  Chappin  Crowley  State  Bk.  W.E.Ellis. 

DONALDSONVILLE  .Ascension.      Paul  Leche  Bk.  of  Donaldsonville  W.  D.  Park. 

Kdgard  St. J.Baptiste.  See  New  Orleans 

Farniersvllle. . Union.  Dawkins  &  Dawkins  See  Ruston 

Floyd West  Carroll. R.  J.  Loudon  See  Bastrop 

Franklin St.  Mary's.      P.  H.  Mentz  First  Natl.  Bk.  H.  S.  Palfrey. 

Fraukllnton  ..Washington.  At  Hammond.  Bk.  of  Hammond       Arthur  Tong. 

Greensburg — St.  Helena.     Wright  &  Lea  See  Bayou  Sara 

Gretna Jefferson.       A.  E.  Billings  See  New  Orleans 

Hahnvllle St.  Charles.    Charles  Baquie  See  New  Orleans 

HARRISONBURGH..Cataboula.      D.N.Thompson  See  Alexandria 

Homer Claiborne.       J.  W.  Holbert  Homer  Natl.  Bk.  C.O.Ferguson. 

Homna Terre  Bonne.  Winchester  &  Bryant  Bk.  of  Homna  Joseph  H.Pullem. 

Lafayette Lafayette.       C.  Debaillon  Peoples  State  Bk.  Crow  Girard. 

Lake  Charles.. Calcasieu.       D.  B.  Gorham  First  Natl.  Bk.  A.L.Williams. 

LAKE  PROVIDENCE.E.  Carroll.      Ransdell  &  Ransdell  See  Bastrop 

Lees  vl  lie Vernon.          D.  Scarborough  See  Alexandria 

Mansfield De  Soto.         E.  W.  Sutherlin  Bk.  of  Mansfield  Oscar  M.  Nileon. 

Many Sabine.  Ponder  &  Sorrelle  See  Natchitoches 

Marksvllle Avoyelles.      J.M.Edwards  See  Alexandria 

Minden Webster.         L.  K.  Watkins  Bk.  of  Minden  Robert  H.  Miller. 

Monroe Ouachita.       Stubbs  &  Russell  Ouachita  Natl.  Bk.  J.J.Jordan. 

Napoleonville. Assumption.   Pugh,  Pugh  &  Markx  See  Thibodeaux 

Natcbitoches..Natchitoches.John  M.  Tucker  Exchange  Bk.  J.  C.  Trichel,  Jr. 

New  Iberia  . . .  .Iberia.  Foster  &  Drousard  New  Iberia  Natl.  Bk.  P.  L.  Renoudet. 

New  Orleans... Orleans.          Branch  K.  Miller  Whitney  Natl.  Bk.  J.  M.  Pagand,  Jr. 


New  Roades. . . Point  Coupee.Yaist  &  Clabone  See  Bayou  Sara 

Opelonsas St.  Landry.     Kenneth  Baillio  St.  Landry  State  Bk. 

Plaquemliie.  ..Iberville.         Alex.  Herbert  Bk.  of  Plaquemine 

POINTEALAHACHEPlaquemines.  ,  See  New  Orleans 

Port  Allen WBatonRougeJ.  E.  Le  B'lane,  Jr.  See  Baton  Rouge 


J.  T.  Skipper. 
J.  M.  McClure. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


61 


LOUISIANA— CONTINUED.  • 


Courtly  Seat.         County. 
Port  Vincent.. Livingston. 

Ray  vllle Kichland. 

Ruston Lincoln. 

Shreveport Caddo. 

St.  Bernard St.  Bernard. 

St.  Josepb Tensas. 

ST.  MARTINVILLE.. St.  Martin. 

Tall  ulah Madison. 

Thlbodeaux  ...La  Fourche. 

Vernon Jackson. 

Vldalia Concordia. 

\Viniifleld Winn. 

WINNSBOROUGH.  ..Franklin. 


Name  of  Atty. 
See  Baton  Rouge 
Wells  &  Wells 
E.  M.  Graham 
Wise  &  Herndon 
See  New  Orleans 
Clinton  &  Ganett 
R.  Martin 
W.  M.  Murphy 
T.  A.  Bodeaux 
N.  M.  Smith 
York  &  Young 
S.  M.  Brian 
C.  L  Berry 


Name  of  Bank. 

See  Bastrop 
Ruston  State  Bk. 
Commercial  Nat).  Bk. 

See  Port  Gibson,  Miss. 
Bk.  of  St.  Martinville 
See  Vicksburg,  Miss. 
Bk.  of  Thibodeaux 
See  Houston 
See  Natches,  Miss. 
See  Alexandria 
See  Bastrop 


Cashier. 


E.  H.  Maifield. 
J.  H.  Ross. 


A.  Bienvenu. 
C.  P.  Shaver. 


DIGEST  OF  LOUISIANA  COMMERCIAL  LAWS. 

Assignments. — An  insolvent  debtor  may  make  surrender  of  property  to  creditors,  or  an 
involuntary  surrender  may  be  forced  by  any  creditor  who  shall  issue  an  execution 
which  is  returned  unsatisfied. 

Attachments. — Attachment  issued  whenever  the  debtor  resides  out  of  the  State;  has,  or 
is  about  permanently  to  leave  it,  conceals  himself  ia  order  to  avoid  service  of  cita- 
tion; when  he  has  mortgaged,  assigned  or  disposed  of,  or  is  about  to  mortgage, 
assign  or  dispose  of  his  property,  rights  or  credits,  or  some  part  thereof,  with  intent 
to  defraud  his  creditors,  or  give  an  undue  preference  to  some  of  them;  when  he  has 
converted,  or  is  about  to  convert,  his  property  into  money  or  evidences  of  debt,  with 
intent  to  place  his  property  beyond  the  reach  of  his  creditors.  Whenever  the  debtor 
is  about  to  remove  his  property  out  of  the  State  before  the  debt  becomes  due,  non- 
resident creditors  are  entitled  to  the  writ  to  enforce  their  claims  same  as  resident 
creditors. 

Bank  Law*. — Banking  corporations  must  be  organized  under  the  general  free  banking 
laws.  The  number  of  persons  organizing  must  exceed  five.  No  special  acts  of 
incorporation  can  be  passed.  There  are  no  laws  requiring  savings  banks  to  invest 
in  any  particular  class  of  bonds.  There  are  seven  banks  in  the  City  of  New 
Orleans  still  doing  business  under  State  charters.  Charters  are  granted  for  a  period 
not  exceeding  ninety-nine  years.  Notes  for  circulation,  secured  by  public  bonds 
deposited  with  State  Auditor,  may  be  issued.  Banks  must  make  and  publish 
quarterly  statements.  Stockholders  are  liable  for  the  par  value  of  stock  only. 
Savings,  safe  deposit  and  trust  banks  may  be  organized  without  power  to  issue 
bank  notes. 

Exemptions. — To  head  of  family,  real  estate,  if  owned  and  occupied  as  a  residence, 
together  with  certain  furniture,  stock,  implements,  provisions,  etc.,  the  property 
not  to  exceed  $2,000,  and  no  exemption  if  wife  has  separate  property  worth  over 


62  THE   LEGAL  AND   FINANCIAL   LIGHTS    OF  AMERICA. 

LOUISIANA— CONTINUED. 

Interest. — Legal  rate  is  5  per  cent.,  but  8  per  cent,  may  be  agreed  upon.  If  higher  than 
8  per  cent,  be  charged,  such  charge  forfeits  entire  interest.  If  paid  it  may  be  sued 
for  and  recovered  within  twelve  months.  But  a  higher  rate  may  l:e  recovered  if 
included  in  the  principal  of  the  note. 

Legal  Holidays. — Sunday,  January  1,  January  8,  February  22,  Mardi-Gras,  July  4r 
November  25  (Labor  Day),  December  25,  Good  Friday,  Thanksgiving  Day, 
designated  by  the  President  and  every  Saturday  from  noon  until  midnight,  March 
4,  in  New  Orleans,  November  1. 

Limitation  of  Actions. — Open  accounts  are  prescribed  in  three  years ;  closed 
acknowledged  accounts  in  ten  years  ;  notes  in  five. 

^Harried  Women. — In  the  absence  of  ante-nuptial  contract,  all  property  acquired  in 
the  marriage  belongs  to  the  "Community  of  gains,"  and  all  debts  contracted 
during  the  same  period  must  be  discharged  by  the  ' '  community. "  The  husband  is 
the  manager  of  the  "  community,"  and  binds  it  by  his  contracts. 

Notarial  Fees.— Protest  $2.50  to  $3.50. 

Notes  and  Bills  of  Exchange. — Whenever  a  promissory  note  is  endorsed  for  the 
benefit  of  the  maker  thereof,  if  caused  by  the  maker  to  be  discounted  in  any  bank 
in  operation  within  the  State,  or  if  the  maker  obtain  any  money  in  consideration  of 
said  note  from  any  person,  the  indorser  shall  be  bound  to  the  holders  of  the  note  as 
if  it  had  been  discounted  or  negotiated  for  his  own  use  or  benefit.  Bills  and  notes, 
or  other  obligations  for  the  payment  of  money,  to  be  evidence  of  a  debt,  must 
express  the  whole  sum  in  writing.  Bills  and  notes  are  entitled  to  three  days'  grace, 
except  bills  at  sight  or  order  for  money  on  demand,  which  are  allowed  no  grace. 
Paper  falling  due  on  holiday  is  payable  the  business  day  following. 

Stay  of  Executions. — May  be  applied  for  at  any  time. 

Transfer  of  Corporation  Stocks. — By  endorsement  and  transfer  on  the  books  of 
the  corporation. 


THE   LEGAL  AND   FINANCIAL   FIGHTS   OF  AMERICA. 


63 


MAINE. 


Name  of  Alty. 
S.  M.  Came 


Cminty  Seat.          County. 

Alfred York. 

Auburn AndroecogginTascus  Atwood 

Augusta Kennebec.       Lendall  Titcomb 

Baiigo r Penobscot.     John  R.  Mason 

Bath Sagadahoc.     George  E.  Hughes 

Belfast Waldo.  R.  F.  Dunton 

Dover Piscataquis.    Henry  Hudson 

Ellsworth Hancock.        J.  A.  Peters,  Jr. 

Farmlugton. .  .Franklin.        S.  Clifford  Belcher 

Houltoii Aroostook.      F.  A.  Powers 

Machlas Washington.  P.  B.  Danworth 

Paris Oxford.  H.  C.  Davis 

Portland Cumberland.  B.  D.  &  H.  M.  Verrill 

Rockland Knox.  W.  H.  Fogler 

Skowhegan Somerset.       Walton  &  Walton 

AViscasset Lincoln.          Henry  Ingalls 


Name  of  Bank. 
See  Portland 
First  Natl.  Bk. 
First  Natl.  Bk. 
Merchants  Natl.  Bk. 
First  Natl.  Bk. 
Belfast  Natl.  Bk. 
Kineo  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
Farmers  Natl.  Bk. 
Machias  Bk. 
See  Auburn. 
Portland  Natl.  Bk. 
Rockland  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 


Cashier. 

H.  C.  Day. 
C.  S.  Hichbora. 
Albert  P.  Baker. 
W.  D.  Mussenden 
C.  W.  Wescott. 
C.  B.  Kittredge. 
H.  W.  Cushman. 
J.  H.  Thompson. 
Geo.  A.  Gorham. 
George  F.  Gary. 

Chas.  G.  Allen. 
G.  Howe  Wiggin. 
Geo.  N.  Page. 
F.  W.  Sewall. 


DIGEST  OF  MAINE  COMMERCIAL  LAWS. 

Assignment*. — No  statute  provision  relating  to  common  law  assignments.  Any  debtor 
may  apply  by  petition  to  the  judge  for  the  county  within  which  he  resides,  setting 
forth  his  inability  to  pay  his  debts,  and  his  willingness  to  assign  all  his  estate  and 
effects  not  exempt  by  law  from  attachment  and  seizure  upon  execution,  for  the 
benefit  of  his  creditors. 

Attachments. — Attachments  of  real  or  personal  property  of  defendant  may  be  made 
upon  direction  of  the  plaintiff.  No  bond  or  other  formality  required. 

Bank  Laws  — Discount  and  savings  banks  created  only  by  special  charter  ;  subject  to 
examination  by  the  Bank  Examiner,  who  may,  at  any  time,  call  for  statements,  and 
make  examination  ;  may  institute  proceedings  to  wind  up ;  makes  an  annual  report 
to  the  Governor  and  council.  Capital  stock  of  discount  banks  must  be  paid,  one- 
half  in  six  months  and  one-half  in  twelve  months  from  the  date  of  charter;  they 
cannot  go  into  operation  until  one-half  the  stock  has  been  paid  in;  cannot  circulate 
bills  in  excess  of_50  per  cent,  of  their  capital  stock  without  $1.00  in  specie  for  every 
$3  of  such  excess  ;  nor,  at  any  time,  more  than  capital  stock  paid  in  and  specie  on 
hand;  must  keep  5  per  cent,  of  the  capital  stock  in  specie  reserve  ;  must  not  owe 
more  than  twice  the  amount  of  the  capital  stock,  aside  from  deposits.  Directors 
incurring  illegal  debts  or  illegally  impairing  capital  are  liable  therefor.  Stock- 
holders are  liable  for  an  additional  sum  equal  to  the  amount  of  stock.  Officers  are 
president,  directors,  and  cashier.  Report  to  examiners  when  required. 

Exemptions. — Homestead  $500,  where  duly  registered;  usual  wearing  apparel;  furniture 
$50,  bedding,  pictures,  etc.,  library,  $150,  stoves,  fuel,  and  lumber;  provisions  and 
seed  grain;  sewing  machine ;  certain  working  animals;  a  team  not  exceeding  $300  in 
value,  and  a  boat  of  two  tons  burden;  and  domestic  fowls  worth  $50. 


64  THE    LEGAL   AND  ^FINANCIAL   LIGHTS   OF   AMERICA 

MAINE — -CONTINUED. 

Interest. — Legal  rate  is  6  per  cent,  where  not  stated  in  writing;  any  rate  legal  if  agreed  to 
by  the  parties  in  writing.  No  usury  law. 

Legal  Holidays. — Sunday,  public  fast  on  Thanksgiving,  May  30,  July  4,  February  22, 
Christmas,  January  1,  two  days  are  allowed.  If  July  4,  May  30,  February  22, 
Christmas,  January  1,  is  Monday,  and  it  is  the  third  day  of  grace,  or  is  Saturday, 
and  the  following  Sunday  is  the  third  day  of  grace,  four  days  are  allowed.  Labor 
Day. 

Limitation  of  Actions. — Actions  on  judgments  of  courts  of  record  of  the  United 
States  or  of  the  State,  and  justice  courts  in  this  State,  twenty  years.  Replevin,  and 
other  actions  on  the  case,  actions  of  debt  on  contract  or  liability  not  under  seal, 
except  judgments  as  aforesaid,  within  two  years.  Witnessed  notes  and  all  other 
personal  actions,  twenty  years. 

Married  Women. — A  married  woman,  of  whatever  age,  may  own  in  her  own  right  per- 
sonal property  acquired  by  descent,  gift  or  purchase,  and  manage,  sell,  convey  and 
devise  it  by  will  without  the  assent  or  joinder  of  her  husband,  and  real  estate  like- 
wise, unless  her  husband,  directly  or  indirectly,  conveyed  it  to  her,  or  paid  for  it, 
or  it  came  to  her  by  gift,  or  devise  from  his  relatives,  in  which  cases  the  husband 
must  join  ;  although  if  it  was  conveyed  to  her  as  security  or  in  payment  of  a  bona 
fide  debt,  due  from  her  husband,  he  need  not  be  joined.  The  property  conveyed 
by  a  husband  to  his  wife,  without  a  valuable  consideration,  may  be  taken  as  the 
husband's  property  to  pay  his  debts  contracted  before  the  transfer.  So  also  may 
such  property  of  the  wife  as  was  paid  for  under  similar  circumstances,  from  the 
husband's  estate. 

Notarial  Fees.— Protest,  $1.50. 

Notes  and  Bills  of  Exchange. — Negotiable  paper  presumed  to  be  taken  in  payment 
of  debt  or  liability  for  which  it  is  given.  On  notes  payable  at  fixed  place  on 
demand  at  or  after  a  time  certain,  no  recovery  unless  demand  proved  thereof  before 
suit  ;  usual  demand  and  notice  to  charge  indorsers  ;  notarial  protest  proves  it  ;  but 
one  indorsing  note  at  inception  before  payee  does  is  a  maker.  Waiver  of  demand 
and  notice,  acceptance  of  bill,  draft,  or  order  must  be  in  writing  and  signed. 
Recovery  from  indorser  without  suing  maker.  Rate  of  damages  on  protested  bills 
of  $100  or  more,  payable  in  this  country,  1  to  9  per  cent.,  according  to  place. 
Three  days  of  grace  on  bills,  notes,  drafts,  and  orders  on  time  or  sight,  and  not  on 
demand.  Paper  maturing  on  a  holiday  is  considered  due  and  payable  the  day  pre- 
ceding. 

Stay  of  Executions. — Granted  on  review  and  writ  of  error  on  filing  bond  and  against 
absent  defendants. 

Transfer  of  Corporation  Stocks. — No  transfer  of  stock  is  valid,  except  between 
the  parties  to  it,  until  it  is  entered  on  the  books  of  the  corporation  in  such  a  manner 
as  to  exhibit  names  and  residence  of  the  parties,  the  number  of  shares  and  the  date 
of  transfer. 


THE  LEGAL   AND   FINANCIAL    LIGHTS   OF  AMERICA. 


65 


MARYLAND. 


County  Seat.         County.  Name  of  Atty. 

Annapolis Anne  ArundelF.  H.  Stockett 

Baltimore Baltimore.  D.  Meridith  Reese 

Bel  Air Harford.  J.  L.  G.  Lee 

Cambridge Dorchester.  John  R.  Pattison 

Centervllle Queen  Anne.  T.  J.  &  B.  P.  Keating 

Chestertown  ..Kent.  Richard  D.  Hynson 

Cumberland. ..Alleghany.  Benjamin  A.  Richmond 

Deiiton Caroline.  Russun  &  Lewis 

East  on Talbot.  Wm.  R.  Martin 

Klktoii Cecil.  L.  M.  Haines 

Kllirott  City... Howard.  John  G.  Rogers 

Frederick Frederick.  Chas.  W.  Ross 

Ilagerstovvii.. . Washington.  Frank  W.  Wish 

Leoiiardtown.st.  Mary.  Robert  C.  Combs 

Oakland  .  Garrett.  G.  S.  Hamill 

Port  Tobacco.. Charles.  Adrian  Posey 

Princess  A  nn«.Somerset.  Miles  &  Stanford 
Prince  Fred- 

€>ri«-ktown.Calvert.  John  B.  Gray 

Rockvllle Montgomery.  H.  W.  Talbott 

Salisbury Wieomico.  James  E.  Eliigood 

Snow  Hill W'  rcester.  Clayton  J.  Purnell 

To  vi  so ii  Baltimore.  Z.  Howard  Isaac 

UPPER  MARLBORO'Pr.  George.  F.  Snowden  Hill 

Westminster.. Carroll.  Clabaugh  &  Roberts 


Name  oj  Bank. 
Farmers  Natl.  Bk. 
American  Natl.  Bk. 


Harford  Natl.  Bk. 

Dorchester  Natl.  Bk. 

Centerville  Natl.  Bk. 

Chestertown  Natl.  Bk. 

Second  Natl.  Bk. 

Denton  Natl.  3k. 

Easton  Natl.  Bk. 

Natl.  Bk.  of  Elkton 

Patapsco  Natl.  Bk. 

Citizens  Natl.  Bk. 

Hagerstown  Bk. 

See  Cambridge 

Garrett  Co.  Bk. 

See  Washington,  D.  C. 

Savings  Bk.  of  Somerset  Co. 

See  Cambri  'ge 

Montgomery  Co.  Natl.  Bk. 

Salisbury  Natl.  Bk. 

First  Natl.  Bk. 

Towson  Natl.  Bk. 

See  Washington,  D.  C. 

Union  Natl.  Bk. 


Cashier. 
G.  A.  Culver. 
Simon  P.  Schott. 


W.  W.  Pinney. 
T.  H.  Medford. 
J.  F.  Rolph. 
Harry  Rickey. 
Daniel  Annan. 
T.  C.  West. 
R.  Thomas. 
Chas.  B.  Finley. 
John  F.McMullen 
W.G.Zimmerman 
E.  W.  Mealey. 

S.  T.  Jones. 
W.J.  Brittingham 

R.  H.  Stokes. 
John  H.  White. 
I.  T.  Matthews. 
W.  C.  Craumer. 

J.  W.  Bering. 


DIGEST  OF  MARYLAND  COMMERCIAL  LAWS. 

Assignments — Assignments  may  be  made  by  deed,  but  should  not  ordain  any  preference, 
and  should  convey  whole  estate  and  provide  for  disposition  of  same. 

Attachments. — Attachments  may  be  issued  on  judgment  in  twelve  years  from  date  of 
same  by  way  of  execution,  and  are  liens  from  time  of  service.  They  are  also  issued 
where  the  defendant  is  a  non-resident,  or  where  he  absconds. 

Bank  Laws. — The  paid-up  capital  stock  in  the  city  of  Baltimore  must  not  be  less  than 
$800,000  in  shares  of  $100  each,  with  privilege  of  increasing  the  number  of  shares  to 
$30,000.  Outside  of  the  city  of  Baltimore  the  paid-up  capital  stock  must  be  $50,000 
in  shares  of  $100  each,  with  privilege  of  increasing  to  $5,000.  Any  five  or  more 
persons,  citizens  of  the  United  States,  and  a  majority  of  them  citizens  of  this 
State,  may  form  a  corporation  for  banking  under  the  provisions  set  forth  in  the 
code,  but  shall  not  be  qualified  to  do  business  until  a  majority  of  the  directors 
shall  have  certified  to  the  Treasurer  and  Comptroller  of  the  State,  that  the  required 
capital  has  been  fully  paid  in  the  "  lawful  money  "  of  the  United  States,  and  a 
certificate  of  such  organization  shall  have  been  transmitted  to  the  Clerk  of  the 

5 


66  THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 

MARYLAND— CONTINUED. 

Court  of  Appeals,  and  by  him  filed  among  the  records  of  his  office.  The  number 
of  directors  may  not  be  more  than  seven,  nor  less  than  five.  None  but  a  citizen  of 
this  State  and  a  stockholder,  may  be  director  or  president.  No  one  may  be  a 
director  of  more  than  one  bank  in  this  State  at  the  same  time.  Semi-annual 
statements  of  the  condition  of  State  institutions  must  be  made  to  the  State 
Treasurer,  and  be  published.  Stockholders'  liability  extends  to  amount  of 
their  stock. 

Exemptions. — There  is  no  homestead  law.  Usual  wearing  apparel  and  $100  worth  of 
personal  property  are  exempt. 

Interest. — Legal  rate  6  per  cent.     Usury  forfeits  excess,  with  interest  thereon. 

Legal  Holidays. — Sunday,  Christmas,  January  1,  Good  Friday,  July  4,  February  22, 
Thanksgiving,  or  General  or  Congressional  Election  Days,  May  30,  Labor  Day, 
and  every  Saturday  after  12  o'clock. 

Limitation  of  Actions.— On  open  accounts,  simple  contracts,  assumpsit,  replevin,  rent 
in  arrears,  or  trespass  suit,  must  be  brought  within  three  years  ;  on  specialty,  bond 
or  judgment,  in  twelve  years.  Limitations  do  not  run  in  case  of  debtor. 

Married  Women. — All  property  belonging  to  a  woman  at  the  time  of  marriage,  or  that 
she  may  acquire  thereafter,  by  purchase,  gift,  grant,  devise,  bequest,  descent,  or 
otherwise,  is  exempt  from  the  husband's  debts,  but  the  husband  has  no  right  to 
transfer  property  to  the  wife  to  the  prejudice  of  the  right  of  subsisting  creditors. 
The  wife's  property  is  liable  for  her  personal  debts. 

Notarial  Fees. — Protest  $1.05  and  costs. 

Notes  and  Bills  of  Exchange. — The  maker  of  a  promissory  note  or  the  acceptor  of  a 
bill  of  exchange  will  be  held  liable  to  an  innocent  holder,  who  takes  the  same  before 
maturity  for  value  and  in  good  faith,  even  though  the  note  was  made  and  the  bill 
accepted  without  consideration.  Three  days'  grace  are  allowed  except  on  sight  or 
demand  drafts.  A  protest  duly  made  by  a  notary  public  of  a  note  or  bill  is  uprima 
fade  evidence  of  the  facts  pertaining  thereto  and  as  stated  therein.  Damages 
recoverable,  in  addition  to  principal,  interest  and  costs  on  protested  bills  :  if  drawn 
on  any  other  State  or  Territory,  8  per  cent.;  foreign  country,  15  per  cent.  Paper 
maturing  on  a  holiday  becomes  due  on  the  secular  day  next  succeeding. 

Stay  of  Executions. — In  Justice  Courts  for  six  months,  when  amount  is  under  $30;  if 
over  $30,  one  year.  In  Court  of  Records,  six  months  on  any  amount. 

Transfer  of  Corporation  Stocks. — The  stock  of  a  corporation  is  deemed  personal 
property  and  may  be  transferred  as  provided  by  the  by-laws. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


67 


County  Seat.  County. 

Barnsta  ble Barnstable. 

Boston Suffolk. 


MASSACHUSETTS. 


Name  of  Atty. 
Hiram  P.  Harriman 
John  Haskell  Butler 


Name  of  Bank. 
At  Hyannis,  First  Natl.  Bk. 
Natl.Bk.  of  the  Republic 


Cashier. 
Q.  E.  TUlson. 
Henry  D.  Forbes. 


Ded  hunt  Norfolk. 

D.  G.  Hill 

Edgarton  .   .      Dukes 

B.  T.  Hillman 

Greenfield  Franklin. 
Lowell  Middlesex. 

John  A.  Aikem 
George  F.  Richardson 

Nantncket  Nantucket. 
New  Bedford..  Bristol. 
Newburyport..  Essex. 
Nortliampton  .Hampshire. 
Pittsfield  Berkshire. 
Plymouth  Plymouth. 
Springfield  Hampton. 
Worcester  Worcester. 

Allen  Coffin 
Stetson  &  Stetson 
N.  N.  Jones 
Wm.  G.  Bassett 
Crosby  &  Noxon 
Charles  S.  Davis 
T.  M.  Brown 
W.  W.  Rice 

Dedham  Natl.  Bk. 
Martha's  Vineyard  Natl.  Bk. 
Franklin  Co.  Natl.  Bk. 
Traders  Natl.  Bk. 
Pacific  Natl.  Bk. 
Merchant's  Natl.  Bk. 
First  Natl.  Bk. 
Hampshire  Co.  Natl.  Bk. 
Third  Natl.  Bk. 
Old  Colony  Natl.  Bk. 
Pynchon  Natl.  Bk. 
Citizens  Natl.  Bk. 


E.  A.  Brooks. 
John  E.  White. 
H.  O.  Edgerton. 
Wm.  F.  Hills. 
Albert  G.  Brock. 
H.  C.  W.  Mosher. 
W.  F.  Houston. 

F.  A.  Macomber. 
R.  B.  Bardwell. 
James  B.  Brown. 
George  R.  Bond. 
George  A.  Smith. 


PRINCIPAL  CITIES  (NOT  COUNTY  SEATS)  IN  MASSACHUSETTS. 

Fall  River Bristol.  Lincoln  &  Hood  Pocasset  Natl.  Bk.  E.  E.  Hathaway. 

Wachusett  Natl.  Bk.  W.  G.  Corey. 


Fitch  burg Worcester. 

H  ol  yoke Hampton. 

Lawrence Essex. 

Salem Essex. 


Charles  E.  Ware 
E.  W.  Chapin 
Sweeney  &  Dow 
Henry  P.  Moulton 


Holyoke  Natl.  Bk. 
Arlington  Natl.  Bk. 
Merchants  Natl.  Bk. 


W.  G1.  Twing. 
F.  L.  Leighton. 
H.  M.  Batchelder. 


DIGEST  OF  MASSACHUSETTS  COMMERCIAL   LAWS. 

Assignments. — The  insolvent  law  has  no  jurisdiction  over  debts  contracted  outside  of 
the  State,  unless  the  same  are  proved  in  the  insolvency  proceeding.  An  assignment 
to  trustee  to  divide  property  among  creditors  cannot  be  avoided  by  attaching 
creditors,  but  only  by  assignee  in  insolvency.  Any  person  owing  one  hundred 
dollars  or  more  may  obtain  relief ;  and  any  creditor  may  apply  within  ninety  days 
after  commission  of  act  of  insolvency  for  seizure  and  distribution  of  estate. 

Attachments. — All  real  estate,  goods  and  chattels  liable  to  be  taken  on  execution  may 
be  attached  upon  the  original  writ  and  held  to  satisfy  the  judgment  which  may  be 
obtained ;  but  no  attachment  shall  be  made  on  a  writ  returnable  before  a  trial 
justice,  municipal,  district  or  police  court,  unless  the  debt  or  damage  demanded 
exceed  twenty  dollars.  No  preliminary  bond  is  required.  Perishable  property,  or 
that  sold  after  it  is  attached  and  the  proceeds  held  subject  to  the  attachment, 
railroad  cars  and  engines  and  steamboats  in  regular  use  cannot  be  attached  within 
forty-eight  hours  previous  to  their  time  of  departure,  unless  the  officers  have  made 
a  demand  for  other  property  in  order  to  attach  it,  and  such  demand  has  been 
refused  or  compliance  therewith  neglected.  Attachment  may  be  made  while  the 
suit  is  pending  by  special  order  of  Court.  Attachment  may  be  dissolved  by 
defendant's  giving  a  bond,  with  sufficient  sureties,  either  to  pay  the  judgment  that 
may  be  recovered,  or  to  pay  the  value  of  the  property 


68  THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 

MASSACHUSETTS— CONTINUED. 

Bank  Laws. — Ten  or  more  persons  and  their  successors  may  form  a  corporation  for 
the  purpose  of  carrying  on  the  business  of  banking.  The  General  Court  may,  by 
special  act,  annul  or  dissolve  any  such  corporation  ;  but  its  dissolution  shall  not 
impair  any  remedy  against  the  same  for  liability  previously  incurred.  The  capital 
stock  of  each  bank  shall  not  be  less  th-m  $100,000  nor  more  than  $1,000,000.  The 
stock  shall  be  paid  in  gold  or  silver  money,  one-half  before  the  bank  goes  into 
operation,  and  the  remainder  within  one  year  thereafter.  Before  commencing 
business  the  president  and  directors  shall  make  a  certificate  specifying  the  corporate 
name,  which  shall  be  different  from  any  previously  organized  in  the  Commonwealth ; 
the  location  of  said  bank,  the  amount  and  number  of  shares  of  its  capital  stock; 
name,  and  residence  and  number  of  shares  of  each  stockholder,  and  the  time  when 
it  is  to  go  into  operation ;  a  copy  of  which  certificate  shall  be  filed  with  the  Secre- 
tary of  the  Commonwealth.  Every  bank  doing  business  in  Boston,  except  in  the 
suburban  districts  which  form  a  part  of  Boston,  shall  on  every  Monday  morning 
transmit  to  the  Secretary  of  the  Commonwealth  a  statement  under  oath  of  the 
president  or  cashier  of  the  amount  of  capital  stock,  assets  and  liabilities  of  the 
bank,  including  amount  in  Boston  clearing  house,  which  statement  shall  be  based 
upon  the  condition  of  the  bank  on  the  day  of  the  week  next  preceding  said  Monday. 
Monthly  reports  are  required  from  every  bank  in  the  State  not  included  in  those 
above  mentioned,  to  be  made  to  the  Secretary  of  the  Commonwealth. 

Exemptions. — A  householder  can  create  estate  of  homestead  to  the  value  of  $800,  and  no 
more,  in  land  and  buildings  owned  or  rightly  possessed  by  lease  or  otherwise,  and 
occupied  by  him  as  a  residence.  Necessary  wearing  apparel  of  family,  certain 
specified  articles  of  household  furniture,  and  $300  worth  in  addition  thereto; 
library  $oO,  tools  and  implements  $100,  boats  and  fishing  tackle,  etc.  $100;  one  cow, 
six  sheep,  one  hog,  and  two  tons  of  hay;  sewing  machine,  pew  in  clrurch,  etc. 

Interest. — Legal  rate,  6  per  cent.,  which  is  allowed  on  judgments.  There  are  no  usury 
laws,  and  any  rate  may  be  reserved  or  contracted  for  in  writing,  and  rate  reserved 
in  note  is  payable  after  maturity  of  note  as  before. 

Legal  Holidays. — Sunday,  Fast  Day,  Thanksgiving,  Christmas,  January  1,  February 
22,  July  4,  May  30  (Memorial  Day),  First  Monday  in  September,  April  19. 

Limitation  of  Actions. — Contracts  or  liabilities,  express  or  implied,  and  not  under  seal, 
six  years;  real  actions,  those  upon  an  attested  note  and  personal  actions  on  contracts 
not  limited,  twenty  years. 

Married  Women. — All  property,  either  real  or  personal,  of  a  married  woman,  whether 
acquired  before  or  after  marriage  in  any  way,  is  her  separate  estate,  and  may  be 
used,  collected  and  invested  in  her  own  name,  and  shall  not.  be  subject  to  the  inter- 
ference or  control  of  her  husband,  or  liable  for  his  debts.  A  married  woman,  doing 
business  on  her  separate  account,  must  file  a  certificate  in  the  Clerk's  office  in  the 
city  or  town  where  she  does  business,  setting  forth  >the  name  of  her  husband,  the 
nature  of  her  business,  and  the  place  where  it  is  to  be  done,  otherwise  her  property 
will  be  liable  for  her  husband's  debts.  The  husband  may  file  such  certificate,  and 
if  no  such  certificate  is  filed  by  either,  the  husband  is  liable  upon  all  contracts  made 
n  such  business. 

Notarial  Fees.— Protest  $1.50,  under  $500;  $2  on  $500  and  over. 

Notes  and  Bills  of  JBxeliange. — Three  days  of  grace  are  allowed  on  all  notes  and 
drafts.  Paper  maturing  on  a  holiday  becomes  due  on  the  secular  day  next  sue- 


THE    LEGAL   AND   FINANCIAL    LIGHTS  OF   AMERICA.  69 

MASSACHUSETTS— CONTINUED. 

ceeding.  The  drawee  of  a  bill  or  draft  requiring  acceptance  has  till  2  o'clock  P.  M. 
on  the  next  business  day  after  presentment  to  decide  whether  he  will  accept. 
Orders  and  drafts  for  money  payable  within  this  State,  in  which  no  time  of  pay- 
ment is  expressed,  shall  be  deemed  to  be  payable  on  demand.  All  persons  becom- 
ing parties  to  promissory  notes  payable  on  time  by  a  signature  in  blank  on  the  back 
thereof,  shall  be  entitled  to  notice  of  the  non-payment  thereof  the  same  as  indorsers. 
Checks  drawn  on  a  bank  may  be  paid  notwithstanding  the  death  of  drawer,  if  pre- 
sented within  ten  days  after  date,  and  a  saving  bank  order  if  presented  within  ten 
days  after  date.  To  charge  indorsers  of  a  promissory  note  payable  on  demand,  a 
demand  made  after  the  expiration  of  sixty  days  from  the  date  thereof,  without 
grace,  or  at  any  time  within  that  term  is  necessary  to  fix  the  liability  of  the  indorser, 
and  shall  be  deemed  to  be  made  within  a  reasonable  time.  No  presentment  of  such 
note  to  the  promissor  and  demand  of  payment  will  charge  the  indorser,  unless  made 
on  or  before  the  last  day  of  said  term  of  sixty  days. 

Transfer  of  Corporation  Stocks. — Delivery  of  certificate  to  a  bonafide  purchaser 
or  pledgee  for  value,  with  a  written  transfer  of  the  same,  or  a  written  power  of 
attorney  to  transfer  same,  passes  title  as  against  all  parties,  but  does  not  affect  the 
right  of  the  corporation  to  treat  the  record  holder  in  fact,  until  the  transfer  is 
recorded  upon  the  books  of  the  company.  If  stock  is  transferred  as  collateral 
security,  it  must  so  appear  on  the  face  of  the  certificate  of  stock  issued  to  the 
pledgee,  and  the  name  of  the  pledger  should  be  stated  therein,  who  alone  will  be 
responsible  as  a  stockholder. 


70 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


MICHIGAN. 


County  Seat.        County. 
Adrian  Lenawee. 

Name  of  Atty. 
Watts,  Bean  &  Smith 
H.  H.  Pope 
Joseph  H.  Cobb 
Harriman  &  Thompson 
H.  B.  Freeman 
W.  T.J^ope      tW^. 
H.  W.  Newkirk 
C.  L.  Collins 
M.  W.  Newkirk 
Geo.  G.  Covell 
Howell  &  Cooper 
M.  Brown 
J.  M.  Harris 
Sawyer  &  Bishop. 
T.  W.  Atwood 
Howell  &  Cacr 
Alfred/j^W 
J.  M.  C.  Smith 
George  E.  Frost 
H.  H.  Barlow 
Jno.  J.  McCurdy 
Moriarty  &  Abbott 

Allegan  Allegan. 

Alpena  Alpena. 

Ann  Arbor  Washtenaw. 
Ail  Train  Alger. 

Bad  Axe  Huron. 

ISiil  d  win  Lake. 

Bay  City  Bay. 

Bellalre  Antrim. 

Benzonla  Benzie. 

Bessemer  Gogebic. 

Big  Rapids  Mecosta. 
Boy  ne  Charlevoix. 

Cadillac  Wexford. 

Caro  Tnscola. 

Cassopolls  Cass. 
Centrevllle  St.  Joseph. 
Charlotte  Baton. 

Cheboygan  Cheboygan. 
Coldwater  .       Branch 

Corunna....        Shiawassee. 

Crystal  Falls  .  .Iron. 

ICajile  River  Keweenaw. 
Escanaba  Delta. 

T&^t+y.f.  IV-i&ie, 
Edwin  R.  Smith 
Mead  &  Jennings 
Durand  &  Carton 
Marshall  &  Townsend 
Swift  &  Wilmot 
George  A.  Fair 
Earle  4  Hyde 
Geo.  L.  Alexander 
Chalmers  Curtis 

0.  H.  Smith 
T.  S.  Gurney 
J.  A.  Sweezey 
C.  M.  Beardsley 
yj.  B.  Beverly 
F.  A.  Lyons 
T.  L.  Chadbourne 
W.  P.  Van  Winkle 
V.  H.  Smith 
Cook  &  Pelham 
George  P.  Stone 
F.  C.  Badgley 
Osborn,  Mills  &  Master 
Wm.  D.  Totten 

Flint  Genesee. 

Gaylord  ....        Otsego 

Gladwln  Gladwin 

Grand  Haven..  Ottawa. 
Grand  Rapids.  Kent. 
Grayling  Crawford. 
HARBOR  SPRINGS  '.Emmet. 
Harrison  Clare. 

If  arrjtavllle  Alcona. 
Hart  Oceana 

Hastings  Barry. 

Hersey  Osceola. 

llil  Ima  u  Montmorenc 

Hillsdale  Hillsdale. 

Honghton  Houghton. 
Howe]  1  Livingston. 

Ionia  Ionia. 

IRON  MOUNTAIN...  .Dickinson. 
Ithaca  Gratiot. 

Jackson  Jackson. 

Kalamazoo  ..  .Kalamazoo. 
K  a  Ilv  a  sk  a  Kalkaska. 

Name  of  Bank. 
Adrian  State  Savings  Bk. 
First  Natl.  Bk. 
Alpena  Natl.  Bk. 
Farmers  &  Mechanics  Bk. 
See  Marquette 

Bk.  of  Frank  W.  Hubbard  &  Co. 
See  Ludington 
Bay  City  Bk. 
Bk.  of  Bellaire 
Exchange  Bk. 
First  Natl.  Bk. 
Mecosta  Co.  Savings  Bk. 
Boyne  River  Bk. 
Bk.  of  D.  B.  Blodgett  &  Co. 
Tuscola  Co.  Bk. 
First  Natl.  Bk. 
First  State  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 

Southern  Michigan  Natl.  Bk. 
First  Natl.  Bk. 
Iron  Co.  Bk. 
g.  First  Natl.  Bk. 

At  Calumet,  First  Natl.  Bk. 

First  Natl.  Bk. 

First  Natl.  Bk. 

Gaylord  State  Savings  Bk. 

Bk.  of  M.  C.  Scrafford  &  Co. 

Natl.  Bk.  of  Grand  Haven. 

Fourth  Natl.  Bk. 

Grayling  Exchange  Bk. 

Harbor  Springs  Bk. 

Bk.  of  L.  Saviers  &  Co. 

See  Tawas  City 

Citizens  Exchange  Bk. 

Hastings  City  Bk. 

At  Evart,  First  State  Savings  Bk. 

See  Gaylord 

First  Natl.  Bk. 

Natl.  Bk.  of  Houghton 

First  State  &  Sav.  Bk. 

First  Natl.  Bk. 

First  Natl.  Bk. 

First  Natl.  Bk. 

Union  Bk. 

City  Natl.  Bk. 

Kalkaska  City  Bk. 


Cashier* 

B.  E.  Tobias. 

P.  L.  Chichester.' 
Jno.  C.  Comfort. 
Fred.  H.  Belser. 

Jno.  Ryan. 

Geo.  H.  Young. 
P.  E.  Turrell. 
G.  M.  Sprout. 
Wm.  I.  Prince. 
C.W. Cunningham 
J.  F.  Fairchild. 

Jno.  F.  Seeley. 

C.  A.  Ritter. 
Frank  Wolf. 
W.  P.  Lacey. 
A.  W.  Ramsey. 
A.  S.  Upson. 
W.A.Rosenkranz. 
J.  J.  F.  Corcocan. 
Jno.  T.  Shaw. 

W.  B.  Anderson. 
R.  Lyman. 

C.  S.  Brown. 
Sanford  W.  Buck. 

George  Stickney. 
W.  H.  Anderson. 
Staley  &  French. 
Curtis  &  Curtis. 
F.  Weathearhead. 

A.  S.  White. 

D.  W.  Reynolds. 
Wm.  Rogers. 

C.  F.  Stewart. 
James  B.  Sturgis. 
H.  J.  Winchell. 
Frank  A. Sessions. 
M.  A.  Northrop. 
M.  F.  Chafey. 
Charles  C.  Ames. 

E.  C.  Dayton. 
J.  C.  Gray. 


THE   LEGAL  AND  FINANCIAL   LIGHTS   OF   AMERICA. 


71 


MICHIGAN— CONTINUED. 


County  Seal.         County.             NameofAlty. 
Lake  City  Miesaukee.     F.  0.  Gaffney 

Name  of  Sank. 
Missaukee  Co  Bk 

Cathier. 
James  Cavanagh 

Ii'Anse  Baraga.           P.  R.  McKernan 

See  Houghton 

Lapeer  Lapeer.            Geer  &  Williams 

First  Natl.  Bk. 

C.  G.  White. 

Iceland  Leelanaw.       Alex.  McKercher 

See  Traverse  City 

Ludfiiglou  Mason.            D.  W.  Reardon 
raanlstee  Manistee.        McAlvay  &  Grant 

First  Natl.  Bk. 
First  Natl  Bk 

W.  L.  Hammond  . 
G.  A.  Dunham. 

raanlstlqne  Schoolcraft.    C.  W.  Dunton 
raarquette  Marquette.      Ball  &  Ball             ^ 

Manistique  Bk. 
First  Natl.  Bk. 

H.  W.  Clarke. 

P.  J.  Jennison. 

\JflTTU£flMHl.Calhonn.       A&.  H/tRVE/ 

^Vfc 

raenomlnee  ....Menominee.    Sawyer,  Waite  &  Waite 
raidland  Midland.         George  B.  Sanford 

First  Natl.  Bk. 
State  Bk  of  Midland 

G.  A.  Blesch. 
F.  E.  Barbour. 

ITIio  Oscoda.           John  J   McCarthy 

IWonroe    <            Monmp           fthartfth  R,  WtTIg  f  ft  ft'M- 

')'  First  Natl  Bk 

George  L.  Little. 

rat.  Clemens.  .  .Maconib.        Crocker  &  Knight 
rat.  Pleasant  ..Isabella.         Free  Estee 
ranskegon  Maskegon.      Bunker  &  Carpenter 
Newaygo  Newaygo.       George  Luton 

Mt.  Clemens  Savings  Bk. 
First  Natl.  Bk. 
Hackley  Natl.  Bk. 
Bk  of  Weber  &  Hatch 

G.  A.  Skinner. 
D.Scott  Partridge. 
George  A.  Abbott 
M.  F.  Hatch. 

Newfoerry  Lace.              See  Saul  t  St  Marie 

S.  N.  Dutcher. 

Omer  Arenac.           L  McHugh 

At  Standish  Arenac  Co  Bk 

Robert  Hall. 

Ontonagon  —  Ontonagon.     W.  W.  Wendell 
Paw  Paw  Van  Buren     Heckert  &  Chandler 

Ontonagon  Bk. 
First  Natl  Bk 

C.  Meilleur. 
E  F  Parker 

Pontiac  Oakland.        James  A  Jacokes 

B.  S.  Tregent. 

Port  Huron.  .  .  .St.  Clair.         Frank  Whipple 
Rogers  City  —  Presquelsle.  Win.  E.  Rice 
Roscommon  ..Roscommon.  Chas.  L.  OeWaele 
Sagliiaw  Saginaw.         Humphrey  &  Grant 

Commercial  Bk. 
Presque  Isle  Co.  Bk. 
Exchange  Bk. 

John  W.  Porter. 
C.  H.  Oegood. 
J.  H.  Sly. 
D  W  Brigge. 

SanlllacCeutreSanillac.          E.  C.  Babcock 
St.  Ignace  Mackinac.       H.  Hoffman 

Sandusky  Bk. 
First  Natl  Bk 

James  McCaren. 
E.  H.  Hotchkiss 

St.  James  Manitou.         J  J   Brown 

t.  Johns  Clinton.          Lyon  &  Dooling 

State  Bk  of  St  Johns 

J.  W.  Fitzgerald 

J.ivrph  Berrien.          W.  R.  Lton 
ultSte.raarleChippewa.      George  A.  Cady 
SI  a  11  Ion  Montcafm.      F  A  Miller 

Union  Sk.  C->                        '.    . 
First  Natl.  Bk. 
Bk  of  H   R  Wagar 

W.O  Jordan. 
Edward  H.  Mead. 
James  C.  Percival 

Taxvas  City  .  .  .  .losco.              G.  L.  Cornville 
Traverse  Clty.Gr'd  TraversePatchin  &  Loranger 
"West  Branch.  .Ogemaw.         F.  R.  Snodgrass 

Bk.  of  A.  H.  Phinney&Co. 
Traverse  City  State  Bk. 
Commercial  Bk. 

J.  T.  Hannah. 
T.  W.  Ballantine. 

DIGEST  OF  MICHIGAN  COMMERCIAL  LAWS. 

Assignments. — Assignment  for  benefit  of  creditors  must  be  of  all  the  assignor's  property 
not  exempt  from  execution,  and  must  be  without  preference. 

Attachments. — Attachments  may  issue  where  the  debtor  has  absconded  or  is  about  to 
abscond  from  the  State,  or  is  concealed  therein,  to  the  injury  of  his  creditors ;  where 
he  has  assigned,  disposed  of,  or  concealed  any  of  his  property,  or  is  about  to  do 
so,  with  intent  to  defraud  his  creditors  ;  where  he  has  removed,  or  is  about  to  re- 


72  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 

MICHIGAN— CONTINUED. 

move  any  of  his  property  out  of  the  State  with  intent  to  defraud  his  creditors  ; 
where  he  has  fraudulently  contracted  the  debt;  where  he  is  not  a  resident  of  this 
State,  and  has  not  resided  therein  for  three  months  before  the  commencement  of 
suit,  or  where  the  defendant  is  a  foreign  corporation. 

Bank  Law*. — Not  less  than  five  persons  may  establish  banks  and  savings  associations. 
The  minimum  amount  of  capital  stock  must  not  be  less  than  $100,000;  except  in 
town  of  1,500  and  less  the  minimum  is  $15,000,  and  in  towns  not  exceeding  5,000, 
the  minimum  is  $25,030,  and  in  towns  not  exceeding  25,000,  it  is  $50,000.  The 
articles  of  association  shall  specify:  The  name  of  the  bank,  which  shall  not  be 
similar  to  that  of  any  other  bank;  the  county  and  city  or  village  of  its  location; 
whether  a  commercial  or  savings  bank,  or  both;  the  amount  of  its  capital,  which 
must  be  divided  into  shares  of  $  1 00  each ;  the  names  and  places  of  residence  of  the 
stockholders  and  the  number  of  shares  held  by  each;  the  period  for  which  the  bank 
is  organized  not  to  exceed  thirty  years.  Fifty  per  cent,  of  the  capital  stock  must  be 
paid  in  before  the  bank  can  begin  business,  and  the  remainder  in  monthly  install- 
ments of  10  per  cent.  each.  Bank  are  to  be  examined  once  in  each  year  by  the 
Commissioner  of  the  State  Banking  Department  and  report  made  to  State  Treasurer. 

Exemptions. — A  home  of  one  lot  in  any  town  or  city,  or  not  more  than  forty  acres  of 
land  outside,  not  exceeding  $1,500  in  value,  owned  and  occupied  by  a  resident  of  the 
State,  is  exempt  from  execution;  apparel,  books  to  the  value  of  $150;  family  pic- 
tures, two  cows,  five  swine,  with  provisions  and  fuel  for  six  months;  tools,  team  of 
horses,  wagon  necessary  to  carry  on  trade,  business,  profession,  not  exceeding  in 
value  $250;  to  each  householder  goods,  furniture,  etc.,  not  exceeding  in  value  $250. 

Interest. — Legal  rate  is  6  per  cent.  Parties  may  contract  in  writing  for  8  per  cent.  The 
penalty  for  usury  is  a  forfeiture  of  all  interest.  Usurious  interest,  voluntarily  paid, 
cannot  be  recovered. 

Legal  Holidays. — Sunday,  January  1,  February  22,  May  30,  July  4,  December  25 
Thanksgiving,   Labor  Day,  First  Monday  of  September.     Every  Saturday  from 
twelve  o'clock  noon  until  twelve  o'clock  at  night,  and  any  day  appointed  by  the 
Governor  or  President  for  fasting  and  thanksgiving  shall,  for  the  payment  of  notes 
"be  treated  and  considered  as  the  first  day  of  the  week,  commonly  called  Sunday. '£ 
When  these  holidays  fall  on  Sunday,  then  the  following  Monday  is  considered  as 
holiday. 

Limitation  of  Actions. — On  actions  and  notes  and  other  simple  contracts,  six  years  ; 
on  sealed  instruments  and  judgments,  ten  years.  Revivor,  part  payment  or  prom- 
ise in  writing  to  pay. 

Married  Women. — May  make  contracts  in  regard  to  their  real  and  personal  property, 
and  encumbered,  sell  or  otherwise  dispose  of  it  the  same  as  if  unmarried.  The 
homestead  cannot  be  conveyed  without  the  wife's  signature  to  the  conveyance,  and 
she  also  retains  the  common  law  right  of  dower  in  her  husband's  lands. 

Notarial  Fees. — Protest,  fifty  cents  ;  each  notice,  twenty-five  cents  and  postage. 

I  Notes  and  Bills  of  Exchange.— On  all  bills  of  exchange  and  negotiable  notes  and 
acceptances  payable  within  this  State,  three  days  of  grace  are  allowed,  and  it  is  not 
necessary  to  protest  the  same  for  non-acceptance  ;  but  such  bills  of  exchange  and 
checks  should  be  presented  within  a  reasonable  time  for  payees  to  hold  drawers 
or  indorsers.  Paper  falling  due  on  holidays  is  payable  the  next  business  day  suc- 
ceeding. In  all  other  cases  demand,  protest  for  non-payment  and  the  sending 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  73 

MICHIGAN— CONTINUED. 

notices  of  protest  to  the  indorser  at  his  reputed  place  of  business  or  residence,  are 
necessary  to  bind  the  indorser.  Parties,  other  than  payees  to  paper,  being  such 
before  or  at  its  inception,  are  held  as  joint  makers,  and  not  entitled  to  notice  of 
non-payment.  Damages  on  domestic  bills  when  protested,  three  to  ten  per  cent. ; 
on  foreign  bills,  five  per  cent. 

Stay  of  Executions. — In  Justice  Courts,  under  fifty  dollars,  four  months ;  over  fifty 
dollars,  six  months. 

Transfer  of  Corporation  Stocks. — Shares  of  stock  may  be  transferred  by  the 
indorsement  and  delivery  of  the  certificates  ;  but  such  transfer  shall  not  be  valid, 
except  between  the  parties  thereto,  until  the  same  shall  have  been  so  entered  upon 
the  books  of  the  corporation  as  to  show  the  names  of  the  parties  by  and  to  whom 
transferred,  the  number  and  designation  of  the  shares,  and  the  date  of  transfer. 


•74 


THE  LEGAL  AND   FINANCIAL   LIGHTS   OP   AMERICA. 


MINNESOTA. 


County  Seat.          County. 

Ada Norman. 

Aitkiii Aitkin. 

Albert  Lea Preeborn. 

Alexandria Douglas. 

Anoka Anoka. 

Austin Mower. 

Beaver  Bay Lake. 

Beaver  Falls... Renville. 

Benson Swift. 

BLUE  EARTH  CITY..Faribanlt. 

Bralnerd Crow  Wing.    C.  E.  Chipperfield 

Breckenrfdge.Wilken.          E.  G.  Valentine 
BROWN'S  VALLEY  .Traverse. 

Buffalo  Wright. 

Caledonia Houston. 

Cam  bridge Isanti. 

Carlton Carlton. 

Centre  City Chisago. 

Chaska Carver. 

Crockston Polk. 

Detroit  City. . .  .Baker. 

Dili u th St.  Louis. 

Elbow  Lake .  ..Grant. 

Elk  River Sherburne. 

Fairmont Martin. 

Farlbanlt Rice. 

Fergus  Falls.. .Otter  Tail. 

Glencoe McLeod. 

Glenwood Pope. 

Grand  Raplds.Ithasca. 
Grand  Marals.Cook. 

Granite  Falls.. Yellow 

Medicine. McLarty  &  Volstead 

Hallock Kittson.          E.  C.  Yetter 

Hastings Dakota.  E.  A.  Wh  it  ford 

Henderson Sibley.  W.  H.  Leeman 

Jackson Jackson.         L.  J.  Knox 

Lac  qul  parle.Lac  qui  parle.Frank  Palmer 
Lake  Ben  toil..  Lincoln.          Jno.  McKenzie 

Leech  Lake Cass.  See  Park  Rapids. 

LE  SUEUR  CENTRE.Le  Sueur.       Caldwell  &  Parker 

Lit  eli  field Meeker. 

Little  Falls  —  Morrison. 
Long  Prairie.. Todd. 

LII  veriie Rock. 

Mankato Blue  Earth. 

Mantorvllle  ...Dodge. 
Marshall Lyon. 


Name  of  Atty. 
W.  W.  Calkins 
A.  Y.  Merrill 
W.  E.  Todd 
Jeinkins  &  Treat 
A.  F.  Giddings 
Kingsley 
John  Divan 
S.  R.  Miller 
F.  M.  Thornton 
Qulnn  &  Putnam 


A.  S.  Crossfield 
John  T.  Alley 

E.  H.  Smalley 
H.  F.  Barker 
H.  H.  Hawkins 
J.  D.  Markham 
W.  C.  Odell 
A.  A.  Miller 

J.  H.  Irish 
Wilson  &  Wray 
A.  0.  Ofsthun 
Chas.  S.  Wheaton 
Ward,  Dunn  &  Ward 
H.  S.  Gibson^ 
Parsons  &  Brown 

F.  R.  Allen 

E.  M.  Webster 
C.  L.  Pratt 
A.  J.  Thomas 


Peterson  &  Foster 
C.  A.  Lindbergh 
J.  D.  Van  Dyke 
W.  N.  Davidson 
Thomas  Hughes 
George  A.  Norton 
V.  B.  Seward 


Name  of  Bank. 
Bk.  of  Ada 
See  Brainerd 
Albert  Lea  Natl.  Bk. 
First  Natl.Bk. 
Anoka  Natl.  Bk. 
First  Natl.  Bk. 

Bk.  of  Sell  wood,  Burke  &  Co. 
Farmers  Bk. 
Swift  Co.  Bk. 

Farmers  &  Merchants  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
Browns  Valley  State  Bk. 
Bk.of  C.E.Oakley  &  Co. 
Bk.  of  Caledonia 
Isanti  Co.  Bk. 
Carlton  Co.  Bk. 
At  Rush  City,  Bk.  of  Rush  City 
Carver  Co.  Bk. 
Scandia  American  Bk. 
First  Natl.  Bk. 
Security  Bk.  of  Duluth 
Bk.  of  Elbow  Lake 
Bk.of  Elk  River 
Martin  Co.  Bk. 
First  Natl.  Bk. 
Fergus  Falls  Natl.Bk. 
Bk.of  Glencoe 
Bk.  of  Glenwood 
First  Natl.  Bk. 
See  Ely,  Bk.  of  Ely 

Granite  Falls  Bk. 

Kittson  Co.  Bk. 

First  Natl.  Bk. 

Sibley  County  Bk. 

State  Bk.  of  Jackson 

At  Madison,  Farmers  State  Bk. 

First  Natl.  Bk. 

First  State  Bk. 
Bk.  of  Litchfield 
First  Natl.  Bk. 
Bk.  of  Long  Prairie 
First  Natl.  Bk. 
Natl.  Citizens  Bk. 
Security  Bk. 
First  Natl.  Bk. 


Cashier. 
S.  Perterson. 

C.  B.  Kellar. 
G.  B.  Ward. 

L.  J.  Greenwald. 
N.  P.  Banfleld. 

D.  A.  Burke. 
Hans  Grounerud. 
H.  W.  Stone. 
Alex.  Anderson. 
J.  D.  La  Bar. 
Howard  Dykinan. 
O.  Gunderson. 

A.  D.  Sprague. 
H.  Engberg. 
Asa  Paine. 
John  C.  Carlson. 
V.  J.  Greiner. 
J.  W.  Wheeler. 
W.  J.  Bettingen. 
W.  P.  Lardner. 
H.  Sampson. 
Henry  Castle. 
A.  C.  Frey. 
C.  M.  Whitney. 
F.  J.  Evans. 
L.  W.  Gilbert. 
P.  Piterson. 
A.  P.  White. 
W.  T.  James. 

J.  G.  Dodsworth. 
W.  H.  Douglas. 
John  Heinen. 

E.  L.  Welch. 
A.  B.  Cheadle. 
P.  E.  Jacobson. 
John  S.  Tucker. 

H.  F.  Weis. 

F.  F.  McClnre. 
A.  R.  Davidson. 
R.  H.  Harkens. 
A.  D.  La  Due. 
W.  G.  Hoerr. 
L.  M.  Blauch. 
M.  W.  Hardin. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OP  AMERICA. 


75 


MINNESOTA— CONTINUED. 

County  Seat.         County.  NameofAtty.  Name  of  Bank.  Cashisr. 

Minneapolis... Hennepin.  George  D.  Emery  Security  Bk.  of  Minnesota  Perry  Harrison. 

Montevido Chippewa.  Lyndon  A.  Smith  Citizens  State  Bk.  M.  E.  Titus. 

Moorhead Clay.  George  E.  Perley  First  Natl.  Bk.  Lew.  A.  Huntoon. 

Mora Kanabec.  J.  C.  Pope  Kanabec  Co.  Bk.  Geo.  H.  Newbert. 

Morris Stevens.  S.  A.  Flaherty  First  Natl.  Bk.  L.  O.  Hollister. 

New  Vim Brown.  Lind  &  Hagberg  Citizens  Bk.  W.  F.  Seiter. 

Ortonvllle Big  Stone.  F.  L.  Cliff  Bk.  of  Ortonville  E.  J.  Miller. 

Owatonna Steele.  Wheelock  &  Sperry  First  Natl.  Bk.  George R.  Kinyon 

Park  Rapids.. Hubbard.  F.  A.  Vanderpoel  Shell  Prairie  Bk.  Wm.  M.  Taber. 

Pine  City Pine.  L.  H.  McCusick  At  Rush  City,  Bk.  of  Rush  City       John  C.  Carlson. 

Pipe  Stone Pipe  Stone.  Evans  &  Evans  First  Natl.  Bk.  W.  C.  Briggs. 

Preston Fillmore.  Wells  &  Hopp  Fillmore  Co.  Bk.  M.  R.  Todd. 

Princeton Mille  Lacs.  J.  A.  Ross  Citizens  State  Bk.  O.  A.  Eaton. 

Red  Lake Beltraini.  Bennett  &  Street  At  Fosston.  Bk.  of  Fosston  Lewis  Loan. 

Red  Wing Goodhue.  Albert  Johnson  Goodhue  Co.  Bk.  F.  Basch. 

REDWOOD  FALLS..  Redwood.  H.D.Baldwin  Redwood  Co.  Bk.  H.A.Baldwin. 

Rochester Olmstead.  B.  W.  Eaton  Union  Natl.  Bk.  T.  H.  Titus. 

St.  Cloud Steams.  Geo.  H.  Reynolds  First  Natl.  Bk.  J.  G.  Smith. 

St.  James Watonwan.  J.  W.  Seager  First  Natl.  Bk.  Frank O'Meara. 

St.  Paul Ramsey.  Davis,  Kellogg  &  Severance. Bk.  of  Minnesota  Wm.  Dawson,  Jr. 

St.  Peter Nicollet.  A.  A.  Stone  First  Natl.  Bk.  E.  S.  Pettijohn. 

Sauk  Rapids .  .Benton.  M.  C.  Kelsey  See  St.  Cloud 

Sbakopee  Scott,  Sout h wort h  &  Collier  First  Natl.  Bank  John  Thiem. 

Slaytoii Murray.  H.  C.  Gross  State  Bk.  of  Slayton  C.  E.  Dinehart. 

Stlllwater Washington.  Clapp  &  Macartney  First  Natl.  Bk.  R.  H.  Bronson. 

Wabasha Wabasha.  Mullen  &  Bowditch  First  Natl.  Bk.  L.  Whitmore. 

Wadena Wadeua.  A.  G.  Broker  First  Natl.  Bk.  C.  W.  Baumbach. 

Warren Marshall.  S.  Cooke  State  Bk.  of  Warren  A.  Melgaard. 

Waseca Waseca.  James  E.  Child  Citizens  State  Bk.  S.  Swenson. 

Al  illmar Kandiyohi.  G.  E.  Quale  Bk.  of  Willmar  F.  G.  Handy. 

Wliidom Cottonwood.  J.  G.  Redding  Bk.  of  Windom  J.  N.  McGregor. 

\V iiioiia Winona.  Brown  &  Abbott  Second  Natl.  Bk.  W.  H.  Garlock. 

Worthingtoii.. Nobles.  George  W.  Wilson  Bk.  of  Worthington  George  O.  Moore 


DIGEST  OF  MINNESOTA  COMMERCIAL  LAWS. 

A«*i;;iiiiiciit *. — An  assignment  may  be  made  of  all  assignor's  property,  and  must  be  with- 
out preference. 

Attachments. — Attachment  issues  when  the  defendant's  debt  was  fraudulently 
contracted  ;  or  when  the  defendant  is  a  foreign  corporation,  or  a  non-resident  of  the 
State  ;  or  has  departed  therefrom,  as  deponent  believes,  with  intent  to  defraud  his 
creditors,  or  to  avoid  the  service  of  a  summons,  or  keeps  himself  concealed  with 
like  intent ;  or  has  disposed,  or  is  about  to  dispose  of  his  pioperty.  with  intent 
to  defraud  creditors. 


76  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

MINNESOTA— CONTINUED. 

Bank  Laws. — Banks  may  be  organized  by  the  execution  and  recording  of  a  certificate 
containing  the  name,  place  of  business,  amount  of  capital  stock,  names  and  places 
of  residence  of  shareholders,  and  the  period  for  which  the  organization  is  made. 
The  capital  stock  must  amount  to  at  least  $10,000  in  towns  of  population  not,  exceed- 
ing 1,000;  $15.000  in  towns  not  exceeding  1,500;  $20,000  in  towns  not  exceeding 
2,000;  $25,000  in  towns  of  more  than  2,000  population.  Such  association  has  the 
usual  powers  of  banks.  It  may  issue  circulating  notes,  to  be  secured  by  the  assign- 
ment and  deposit  with  the  State  Auditor  of  like  amount  of  the  public  stock  of  a 
State  of  the  United  States,  or  the  stock  securities  of  the  United  States.  Private 
banks  are  prohibited  from  doing  business  under  an  artificial  or  corporate  name. 
Banks  are  required  to  make  at  least  four  detailed  reports  in  each  year,  to  the  State 
Auditor,  and  oftener,  if  required  by  him,  the  reports  to  be  published  in  a  newspaper 
at  the  direction  of  the  State  Auditor.  The  public  examiner  is  required  to  examine 
the  books,  accounts,  and  securities  of  all  banks  in  the  State  at  least  once  in  each 
year  and  report  such  examination  to  the  Governor,  and  the  governor  is  to  publish 
the  report. 

Exemptions. — A  homestead,  consisting  of  land  not  exceeding  eighty  acres  and  the 
dwelling  house  thereon,  and  its  appurtenances,  to  be  selected  by  the  owner  thereof, 
and  not  included  in  the  platted  portion  of  any  incorporated  town,  city  or  village,  or, 
instead  thereof,  at  the  owner's  option,  a  quantity  of  land  not  exceeding  in  amount 
one  lot  if  within  the  platted  portion  of  any  incorporated  town,  city  or  village 
having  over  5,000  inhabitants,  or  one-half  acre  if  within  the  platted  portion  of  any 
incorporated  town,  city  or  village  having  less  than  5,000  inhabitants,  and  the  dwell- 
ing house  thereon  and  its  appurtenances,  owned  and  occupied  by  any  resident  of 
this  State,  is  not  liable  for  debts  of  owner. 

Interest. — Seven  per  cent,  is  the  legal  rate.  Parties  may  agree  to  pay  as  high  as  ten  per 
cent,  per  annum.  All  usurious  contracts  are  void,  and  Court  will  decree  cancella- 
tion. Where  usurious  interest  has  actually  been  paid  the  entire  interest  may  be 
recovered  in  a  civil  action,  half  to  go  to  party  bringing  action  and  half  to  public 
schools,  with  all  interest. 

Legal  Holidays. — Sunday,  Thanksgiving,  Good  Friday,  Christmas,  January  1,  February 
22,  May  30,  July  4,  General  Election  Day,  Labor  Day. 

Limitation  of  Actions. — Actions  for  recovery  of  real  estate,  within  fifteen  years;  on 
judgments,  within  ten  years;  upon  any  contract,  obligation,  or  upon  a  liability 
created  by  statute,  or  to  enforce  a  trust  or  compel  an  accounting,  within  six  years. 

married  Women. — All  property,  real  or  personal,  belonging  to  a  woman  at  the  time  of 
marriage  continues  her  separate  estate.  She  is  responsible  for  her  torts,  her  prop- 
erty is  liable  for  her  debts,  is  capable  of  making,  and  is  bound  by  her  contracts  the 
same  as  if  she  were  a  femme  sole.  Husband  is  only  liable  for  necessaries  furnished 
after  marriage.  Neither  husband  or  wife  can  be  agent  for  the  other  in  regard  to 
the  conveyance  of  real  estate  of  either.  In  relation  to  all  other  subjects,  either 
may  be  the  agent  of  the  other.  A  married  woman  may  sue  or  be  sued  in  her  own 
name  without  joining  her  husband. 

Notarial  Fees.— Protest  $1.50,  each  notice  fifty  cents. 

Wotes  and  Bills  of  Exchange.— On  all  bills  of  exchange  payable  at  sight,  or  at  a 
future  day  certain,  and  all  negotiable  promissory  notes,  orders  and  drafts  payable 
at  a  future  day  certain,  within  this  State,  in  which  there  is  no  express  stipulation  to 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA.  77 

MINNESOTA— CONTINUED. 

the  contrary,  grace  is  allowed  of  three  days.  Paper  falling  due  on  a  holiday  is 
payable  the  preceding  business  day.  Notice  of  protest  must  be  given  immediately 
after.  Protest  is  made  by  mailing  the  same  to  each  party  protested  against  at  his 
reputed  place  of  residence.  The  notary  certifies  to  the  giving  of  the  notice  upon 
the  instrument  of  notice,  and  records  the  latter  in  his  register,  which  is  prima  facie 
evidence.  Damages,  five  per  cent,  on  domestic  and  ten  per  cent,  on  foreign  paper 
protested.  Notes  obtained  by  fraudulent  representation  without  negligence  on  part 
of  maker  void. 

Transfer  of  Corporation  Stocks. — As  between  parties  endorsed  on  back  of  stock. 
As  against  corporations  it  is  entered  on  the  books  of  the  corporation. 


78 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


MISSISSIPPI. 


County  Seat.         County. 

Aberdeen Monroe. 

Ashland Bon  ton. 

August  a Perry. 

Bay  St.  Louis. Hancock. 

Helen Quitman. 

Booiiville Prentiss. 

Brandon Rankin. 

Brookhaven. .  .Lincoln. 

Canton Madison. 

Carrollton Carroll. 

Carthage Leake. 

Charleston Tallahatchie. 

Ch  ester Choctaw. 

Coffeeville Yalobusha. 

Columbia Marion. 

Colunibiia Lowndes. 

Corinth Alcorn. 

Decatur Newton. 

De  K alb Kemper. 

Ellisville Jones. 

Fayette Jefferson. 

Forest Scott. 

Friars  Point.  vCoahomo. 

Fulton Itawamaba. 

Greenville Washington 

Green  wo'od  — Le  Flore. 

Grenada Grenada. 

Hazlehnrst  — Copiah. 

Hernando De  Soto. 

Holly  Springs. Marshall. 

Houston Chickasaw. 

Indianolo Sunflower. 

luka  Tishomingo. 

Jackson Hinds. 

Kosclusko Attala. 

Leakesville     . .  Greene. 

Lexington Holmes. 

Liberty Amite. 

Louisville Winston. 

Macon Noxubee. 

Magnolia Pike. 

Mayers Isaqnena. 

Meadville Franklin. 

Meridian Lauderdale. 

MISSISSIPPI  CITY. Harrison. 

Monticello Lawrence. 

Natchez Adams. 


Name  of  Atty  . 

Name  of  Bank. 

Cashier. 

George  C.  Paine 

First  Natl.  Bk. 

C.  R.  Sykes. 

McDonald  &  McDonald 

See  Holly  Springs 

j.  S.  Bradford 

See  Ellisville 

E.  J.  Bowers 

See  Scranton 

F.  M.  Hamblet 

At  Jonestown,  Bk.  of  G.  B.  Moseley 

B.  A.  P.  Selman 

At  Corinth,  Fishomigo  Savgs.  Bk, 

,  J.  W.  Taylor. 

J.  R.  Enochs 

See  Jackson 

Cassedy  &  Cassedy 

Commercial  Bk. 

F.  F.  Becker. 

W.  H.  Powell 

Mississippi  State  Bk. 

B.  L.  Roberts. 

T.  H.  Somervllle 

Bk.  of  Carrollton 

C.  J.  Nelson. 

D.  E.  Sullivan 

See  Canton 

•.  Bailey  &  Bailey 

See  Grenada 

J.  W.  Pinson 

See  Starkville 

R.  H.  Golladay 

At  Water  Valley, 

Bk.  of  Water  Valley 

G.  D.  Able. 

T.  S.  Ford 

See  Magnolia 

E.  T.  Sykes 

Columbus  Ins.  &  Bkg.  Co. 

W.  H.  Lee. 

J.  M.  Boone 

Tisho  vingo  Savgs.  Institution 

J.  W.  Taylor. 

Thomas  Keith 

See  Meridian 

T.  P.  Bell 

See  Meridian 

N.  C.  Hill 

Bk.  of  Ellisville 

W.  S.  Pettis. 

Torrey  &  Torrey 

See  Natches 

S.  H.  Kirkland 

See  Jackson 

D.  A.  Scott 

Bk.  of  Friar's  Point 

J.  C.  Johnston. 

A.  N.  Cayse 

See  Tupelo 

.  Yerger  &  Percy 

Merchants  &  Planters  Bk. 

S.  C.  Lane. 

A.  M.  C.  Kimbrough 

Bk.  of  Greenwood 

E.  R.  McShane. 

Wm.  C.  McLean 

Grenada  Bk. 

J.  T.  Thomas. 

R.  N.  Miller 

Merchants  &  Planters  Bk. 

Isaac  N.  Ellis. 

McKenzie  &  Holmes 

Hernando  Bk. 

E.  W.  Smith. 

R.  T.  Fant 

Bk.  of  Holly  Springs. 

H.  C.  Fort. 

E.  A.  Moseley 

At  Okolona,  Jno.  Trice  Bkg.  Co. 

J.  S.  Bramlitt. 

A.  G.  Paxton 

See  Greenville 

W.  B.  Ellis 

Bk.  of  luka 

J.  A.  E.  Pyle. 

Calhoon  &  Green 

Capital  State  Bk. 

E.  M.  Parker. 

Dodd  &  Armstead 

Merchants  &  Farmers  Bk. 

Jno.  M.  Fletcher 

W.  H.  Mclntosh 

See  Mobile,  Alabama 

Wm.  P.  Tackett 

Bk.  of  Holmes  Co. 

W.  L.  Young. 

Theodore  McKnight 

See  Magnolia       . 

See  Kosciusko 

See  Macon 

Ames  &  Drake 

Merchants  &  Farmers  Bk. 

R.  W.  Jones,  Jr. 

J.  H.  Price 

Peoples  Bk. 

J.  E.  Wolfe. 

See  Vicksburg 

C.E.Williams 

See  Natchez 

Cochran  &  Bozeman 

Meridian  Natl.  Bk. 

E.  B.  McRaven. 

R.  Seal 

At  Biloxi,  Bk.  of  Biloxi 

C.  E.  Theobald. 

A.  W.  Cooper 

See  Brookhaven 

Reed  &  Brandon 

First  Natchez  Bk. 

R.  L.  Wood. 

THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 


79 


MISSISSIPPI— CONTINUED. 


New  Albany. .  .Union. 

Oxford Lafayette. 

Pauldlng  Jasper. 

Pbll  adel  pbla .  .Ncshoba. 
PIttsborougb  .Calhoun. 

Pontotoc Pontotoc. 

Poplar vi I le Pearl  River. 

Port  Gibson... Claiborne. 

Qultman Clarke. 

Raleigh Smith. 

K i  !>]<•>   Tippah. 

Rolling  Fork.Sharkey. 

Rosedale Bolivar. 

Sardis Panola. 

Scranton Jackson. 

Seiiatopla Tate. 

Stark  villc Oktibbeha. 

Tunica Tunica. 

Tupelo Lee. 

Vlcksbiirg Warren. 

Walthall Webster. 

"Way  neinboro'..  Wayne. 
"West  Point.... Clay. 

Westvllle Simpson. 

Wi  lliams  Im  rg.Covington. 

Wiiioiia Montgomery. 

Woodvllle Wilkinson. 

Yazoo  City Yazoo. 


L.  R.  Kennedy 

See  Pontotoc 

W.V.Sullivan 

Bk.  of  Oxford 

B.  Price. 

B.  W.  Sharborough 

See  Meridian 

A.  M.  Boyd 

See  Meridian 

J.  L.  Lyon 

See  Granada 

C.  B.  Mitchell 

Bk.  of  Pontotoc 

M.  B.  PittB. 

See  Ellisville 

See  Ellisville 

J.  McC.  Martin 

Port  Gibson  Bk. 

J.  W.  Person. 

J.  E.  Terra! 

See  Meridian 

W.  H.Jones 

See  Jackson 

C.  M.  Thurmond 

See  Pontotoc 

M.  D.  Brown 

See  Vicksburg 

Charles  Scott 

Bk.  of  Rosedale 

T.  F.  Doris. 

R.  H.  Taylor 

Bk.  of  Sardis 

T.  J.  Hunter. 

H.  B.  Everett 

Scranton  State  Bk. 

H.  M.  Plummer. 

G.  D.  Shands 

Tate  Co.  Bk. 

P.  A.  Rush. 

Muldrow  &  Nash 

Peoples  Savings  Bk. 

A.  C.  Ervin. 

J.  T.  Lowe 

At  Jonestown,  Bk.  of  G. 

B.  Moseley 

Blain  &  Anderson 

First  Natl.  Bk. 

F.  Johnson. 

Dabney  &  McCabe 

Merchants  Natl.  Bk. 

W.  S.  Jones. 

J.  E.  Clark 

See  Winona 

D.  M.  Taylor 

See  Ellisville 

Fox  &  Roane 

First  Natl.  Bk. 

T.  M.  Moseley. 

G.  R.  Gowen 

See  Hazlehurst 

J.  0.  Napier 

See  Ellisville 

Somerville  &  McLean 

Citizens  Bk. 

F.  M.  Purnell. 

D.  C.  Bramlett 

Bk.  of  Edward  Aaron 

Barnett  &  Thompson 

Bk.  of  Yazoo  City 

8.  R.  Berry. 

DIGEST  OF  MISSISSIPPI  COMMERCIAL  LAWS. 

Assignmciiti.— Debtor  may  make  assignments  to  secure  creditors,  and  may  prefer  credi- 
tors, but  no  benefit,  direct  or  indirect,  may  be  reserved  to  the  debtor. 

Attachments. — Attachment  may  issue  where  defendant  is  a  foreign  corporation  or  non- 
resident of  the  State  ;  or  he  has  removed,  or  is  about  to  remove  himself  or  property 
out  of  the  State  ;  or  absconds  or  conceals  himself  so  that  he  cannot  be  served  with 
summons  ;  or  contracted  the  debt  or  incurred  the  obligation  in  conducting  the 
business  of  a  ship,  steamboat  or  other  craft  in  some  of  the  navigable  waters  of  this 
State  ;  or  has  property  or  rights  which  he  conceals  and  refuses  to  apply  to  the  pay- 
ment of  his  debts  ;  or  is  about  to  assign  or  dispose  of  his  property  ;  or  has,  or  is 
about  to  convert  his  property  into  money  or  evidences  of  debt  with  intent  to  place 
it  beyond  the  reach  of  his  creditors  ;  or  that  he  fraudulently  contracted  the  debt. 

Bank  Laws. — No  special  laws  relating  to  banks,  except  that  they  are  required  to  furnish, 
not  less  than  four  times  a  year,  sworn  statements,  which  are  to  be  published.  The 
auditor  of  public  accounts  may  call  for  such  statement  at  any  time. 


80  THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 

MISSISSIPPI— CONTINUED. 

Exemptions. — In  the  country  160  acres  of  land  not  exceeding  in  value  $2,000,  is  exempt 
to  every  citizen,  male  or  female,  being  a  householder,  and  having  a  family.  In 
cities,  the  land  and  building  owned  and  occupied  as  a  residence,  not  to  exceed  in 
value  $2,000,  is  exempt  from  levy  and  sale  under  execution  or  attachment. 

Legal  Holiday*. — Sunday,  Thanksgiving,  Good  Friday,  Christmas,  January  1,  Febru- 
ary 22,  May  30,  July  4,  General  Election  Day. 

Limitation  of  Actlonis. — Actions  on  open  accounts  and  other  unwritten  contracts  must 
be  brought  within  three  years  ;  on  all  other  contracts,  six  years.  Action  on 
domestic  judgments,  seven  years.  A  set-off  held  against  a  claim  is  not  barred  until 
the  principal  debt  is  barred. 

Married  Women. — All  property  acquired  before  or  after  maraiage  remains  her  separate 
estate.  If  she  engages  in  trade  she  is  bound  by  all  contracts  made  in  the  course  of 
trade.  All  such  debts  are  binding  upon  and  may.be  satisfied  out  of  her  separate 
estate. 

Notarial  Fee§.— Protest,  $1.50. 

Notes  and  Bills  of  Exchange. — Promissory  notes  are  not  required  to  be  protested, 
but  demand  and  notice  are  necessary  to  fix  liability  of  parties  secondarily  liable. 
Notes  are  not  protestable  ;  domestic  and  foreign  bills  are  protestable.  All  notes, 
bills,  drafts,  etc.,  are  assignable,  and  suit  may  be  maintained  in  the  name  of  the 
assignee  ;  but  defendant  can  make  all  defenses  which  he  had  against  payee  before 
notice  of  assignment.  Foreign  bills  of  exchange  payable  out  of  the  United  States 
protested  for  non-acceptance  or  non-payment,  draw  10  per  cent,  damages  and  legal 
interest  ,  bills  drawn  payable  in  the  United  States,  protested  for  non-acceptance, 
draw  damages  at  the  rate  of  5  per  cent.,  besides  legal  interest.  Notes,  bills,  etc., 
and  sight  diafts  are  entitled  to  the  usual  days  of  grace.  Paper  maturing  on  a 
holiday  becomes  payable  next  day  preceding.  Domestic  bills  of  exchange  drawn 
on  and  payable  in  this  State  for  $20  or  upward  must  be  protested  for  non-accept- 
ance, or,  if  accepted  for  non-payment,  they  are  governed  by  the  same  customs  and 
usages  as  foreign  bills  of  exchange,  but  no  damage  accrues. 

Stay  of  Executions. — In  Justice  Courts  stay  may  be  taken  for  sixty  days. 

Transfer  of  Corporation  Stocks.— As  provided  for  by  the  by-laws  of  the 
corporation. 


THE   LEGAL   AND   FINANCIAL   LIGHTS    OF   AMERICA. 


81 


MISSOURI. 


County  Seat.          County.  NameofAtty. 

Albany  Gentry.  McCullough  &  Perry 

Alton Oregon.  L.  P.  Norman 

A  va  Douglass.  Adams  Bros. 

Benton Scott.  Wm.  Hunter 

Bethany Harrison.  A.  F.  Woodruff 

It  loom  tit- UI Stoddard.  H.  H.  Bedford 

Bolivar Polk.  J.  D.  Abbee 

Boonvllle Cooper.  Draffen  &  Williams 

BowllngGreenPike.  Major  &  Motley 

Buffalo Dallas.  D.  M.  Rush 

Bntler Bates.  T.  G.  Smith 

California Moniteau.  L.  F.  Wood 

Carrollton Carroll.  John  B.  Hale 

Carthage . .  .Jasper.  E.  0.  Brown 

Cassvllle Barry.  Pepper  &  Steele 

Centreville Reynolds.  L  0.  Neider 

Charleston  Mississippi.  J.  J.  Russell 

Chllllcothe Livingston.  C.  A.  Loomis 

Clinton Henry.  J.  D.  Lindsay 

Columbia Boone.  C.  B.  Sebastian 

Danville Montgomery.  James  D.  Barnett 

JDonlphan Ripley.  J.  C.  Sheppard 

Edina Knox.  J.  W.  Ennis 

I'.nii iifiK-c Shannon.  L.  B.  Shuck 

Farmlngton. .  .St.  Francois.  Carter  &  Webb 

Fayette Howard.  R.  C.  Clark 

Forsyth Taney.  Jas.  R.  Vaughan 

FREDERICKTO WN.. Madison.  E.  D.  Anthony 

Fulton Callaway.  J.  A.  Boulware 

Gainesville Ozark.  G.  T.  Harrison 

Galena   Stone.  T.  L.  Viles 

Gallatln Daviess.  Hamilton  &  Dudley 

Gayoso Pemiscott.  F.  D.  Roberts 

Grant  City Worth.  Jesse  Benson 

Greenfield Dade.  Mann  &  Talbutt 

Greenville Wayne.  Raincy  &  Carty 

Harrlsonvllle.Caes.  Burney  &  Burney 

Hartvllle Wright.  S.  E.  Pope 

Hermann Gasconade.  August  Meyer 

Hermitage Hickory.  Wm.  L.  Pitts 

Hillsborough.  Jefferson.  Joseph  J.  Williams 

Houston Texas.  Jno.  D.  Young 

Huntsville Randolph.  W.  T.  Austin 

Independence. Jackson.  Jno.  G.  Paxton 

fronton Iron.  Wm.  R.  Edgar 

Jackson C.  Girardeau.J.  W.  Limbaugh 

JEFFERSON  CITY.. .Cole.  Ewing  &  Hough 


Name  of  Bank. 
Gentry  Co.  Bk. 
Bk.  of  Alton 
Bk.  of  Ava 

At  Morley.  Scott  Co.  Bk. 
Harrison  Co.  Bk. 
Bk.  of  Dexter 
Polk  Co.  Bk. 
Commercial  Bk. 
Citizens  Bk. 
Bk.  of  Buffalo 
Farmers  Bk.  of  Bates  Co. 
Farmers  &  Traders  Bk. 
First  Nail.  Bk. 
Bk.  of  Carthage 
Barry  Co.  Bk. 
See  Salem 
Charleston  Bk. 
First  Natl.  Bk. 
Henry  Co.  Bk. 
Boone  Co.  Natl.  Bk. 


Cashier. 
M.  L.  Millen. 
G.  8.  Woodside. 
J.  A.  G.  Reynolds. 
John  Hunter. 

C.  Crossan. 
A.  Wilcox. 

W.  B.  Dunnegan. 
W.R.Hutchinson. 
G.  Phillips. 

D.  M.  Rush. 

E.  D.  Kipp. 

F.  B.  Lander. 
T.  B.  Goodson. 
J.  A.  Mitchell. 
J.  M.  Bayless. 

Scott  Alexander. 
Geo.  Milbank,  Jr. 
A.  P.  Frowein. 
J.  O.  Hockaday. 


At  New  Florence,  New  Florence  Bk.A.  H.  Eallmeyer. 

Ripley  Co.  Bk.  C.  C.  Chandler. 

Bk.  of  Edina  F.  J.  Wilson. 
See  Houston 

Bk.  of  Farmington  M.  P.  Cayce. 

Farmers  &  Merchants  Bk.  H.  E.  Gibene. 

Taney  Co.  Bk.  W.  M.  Wade. 

Madison  Co.  Bk.  N.  B.  Watts. 

Southern  Bk.  of  Fulton  Chas.W.  Jameson 

Bk.  of  Gainesville  W.  T.  Hardin. 

Bk.  of  Galena  C.  B.  Swift. 

Daviess  Co.  Savings  Association.  F.  E.  Clingan. 
At  Caruthersville.PemiscotCo.Bk.H.  C.  Schnlt. 


First  Natl.  Bk. 

R.  S.  Jacobs  Bkg.  Co. 

At  Piedmont, 

Farmers  &  Merchants  Bk. 

Bk.  of  Harrisonville 

Wright  Co.  Bk. 

Hermann  Savings  Bk. 

Hermitage  Bk. 

Bk.  of  Hillsborough. 

Bk.  of  Houston 

J.  M.  Hammett  Bkg.  Co. 

First  Natl.  Bk. 

See  Fredericktown 

Jackson  Exchange  Bk. 

Exchange  Bk. 


J.  F.  Robertson. 
J.  L.  Wetzel. 

W.  C.  Shields. 
A.  S.  Deacon. 
J.  H.  Simmons. 
E.  F.  Rittstein. 
Jos.  S.  Hartman. 
W.  R.  Donnell,Jr. 
T.  F.  Nicholas. 
W.  F.  Hammett. 
W.A.  Symington. 

Hugh  R.  Quinn. 
W.  A.  Dallmeyer. 


82 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 


MISSOURI— CONTINUED. 


County  Seat. 

County. 

Name  of  Atty. 

Kahoka  

Clark. 

H.  M.  &  Charles  Miller 

Keytesville  ... 

.Chariton. 

Crawley  &  Son 

Kingston  

.Caldwell. 

S.  C.  Rogers 

Kil  ksvill.    .... 

.Adair. 

M.  D.  Campbell 

Liamar  

,  Barton. 

Bowling  &  McCluer 

Lancaster  

.Schuyler. 

Nat.  M.  Shelton 

Lebanon  

,  Laclede. 

J.  P.  Nixon 

Lexington  

,  Lafayette. 

Wm.  H.  Chiles 

Liberty  

Clay. 

Simrall  &  Trimble 

Linn  

Osage. 

E.  M.  Carter 

Linn  Creek.  ... 

.Camden. 

H.  W.  Chalfant 

1.  in  m  n-  

.Linn. 

E.  W.  Wilcox 

.Mn  «•<>  11  City  ... 

.Macon. 

Webb  M.  Ruby 

Ua  l<l  iii  

Dunklin. 

W.  S.  C.  Walker 

Marble  II111... 

Bellinger. 

Geo.  E.  Conrad 

Marshall  

Saline, 

Boyd  &  Murrell 

Marshfield  — 

.Webster. 

James  Case 

Mary  vllle  

.  Nodaway. 

Gallatin  Craig 

Maysvllle  

,  De  Kalb. 

Frank  Costello 

Memphis  

Scotland. 

Smoot,  Mudd  &  Wagner 

Mexico  

Audrain. 

J.  G.  Trimble 

Milan  

Sullivan. 

Jno.  P.  Butler 

Moiitlcello  

.Lewis. 

Blair  &  Marc-hand 

Mount  VernonLaurence. 

Henry  Brumback 

Neosho  

Newton. 

Lyman  W.  White 

Nevada  

Vernon. 

0.  H.  Hoss 

New  London  . 

.Rails. 

James  P.  Wood 

New  Madrid,. 

.New  Madrid. 

J.  R.  Brewer 

Oregon  

Holt. 

T.  C.  Dungan 

Osceola  

St.  Clair. 

J.  H.  Lucas 

Ozark  , 

..Christian. 

G.  A.  Watson 

Palmyra  

.  Marion. 

H.  J.  Drummond 

Paris  

.Monroe. 

James  M.  Crutcher 

Perry  vllle  

.Perry. 

Edward  Robb 

Pine  vllle  

.McDonald. 

A.  V.  Manning 

Matte  City  ... 

..Platte. 

N.  P.  Anderson 

Plattsburgh  . 

.  .Clinton. 

E.  C.  Hall 

Poplar  Bluff 

.Butler. 

E.  R.  Lentz 

Potosi  

Washington 

.  E.  T.  Eversole 

Princeton 

.  .Mercer. 

Ira  B.  Hyde 

Richmond  

..Ray. 

C.  T.  Garneri&  Son 

Rockport  

.  .Atchison. 

Lewis  &  Ramsay 

Rolla  

Phelps. 

Robert  Merriweather 

St.  Charles.... 

..St.  Charles. 

J.  H.  Alexander 

STE.  GENEVIEVE 

.  .Ste.GenevieveE.  A.  Rozier 

St.  Joseph  ... 

.  .Buchanan. 

Hall&Woodson 

St.  Louis 

St.  Louis. 

Samuel  N.  Holliday 

Name  of  Bank. 
Clark  Co.  Savings  Bk. 
Farmers  Bk. 
Kingston  Savings  Bk. 

First  International  Bk. 

C.  H.  Brown  Bkg.  Co. 

Schuyler  Co.  Bk. 

Laclede  Co.  Bk. 

Commercial  Bk. 

First  Natl.Bk. 

Bk.  of  Osage  Co. 

Camden  Co.  Bk. 

Farmers  &  Merchants  Bk. 

First  Natl.  Bk. 

Dunklin  Co.  Bk. 

At  Lutesville,  Bellinger  Co.  Bk. 

Wood  &  Huston  Bk. 

State  Bk. 

First  Natl.Bk. 

Maysville  Bk. 

Citizens  Bk. 

First  Natl.  Bk. 

First  Natl.Bk. 

Monticello  Savings  Bk. 

Farmers  Bk. 
Bk.  of  Neosho 

First  Natl.  Bk. 

Bk.  of  New  London. 

New  Madrid  Bkg.  Co. 
Citizens  Bk. 

State  Bk. 

Christian  Co.  Bk. 

First  Natl.  Bk. 

Natl.  Bk.  of  Paris 

Bk.  of  Perryville 

McDonald  Co.  Bk. 

Wells  Bkg.  Co. 

First  Natl.  Bk. 

Bk.  of  Poplar  Bluff 

Washington  Co.  Bk. 

Bk.  of  Princeton 

Bkg.  House  of  J.  S.  Hughes  &  Co 

Citizens  Bk. 

Natl.  Bk.  of  Rolla 

First  Natl.  Bk. 

Bk.  of  Henri  Rozier 

Natl.  Bk.  of  St.  Joseph 

Natl.  Bk.  of  Commerce 


Cashier. 
Wm.  McDermott. 

A.  F.  Tooley. 
J.  H.  Botthoff. 

W.  T.  Baird. 
G.  L.  Crenshaw. 
Frank  P.  Hays. 
C.  W.  Rubey. 
E.  M.  Taubman. 
George  S.Ritchey 
J.  R.  McCord. 
J.  M.  Vincent. 
C.  E.  Trumbo. 
John  Scovern. 
W.  J.  Davis. 

B.  F.Stevens. 
J.  P.  Huston. 
Freeman  Evans. 
S.  H.  Kemp. 
Mack  Jones. 

N.  V.  Leslie. 
R.  R.  Arnold. 
J.  C.  McCoy. 
G.  W.  Marchand. 
Geo.  A.  McCanse. 
W.  G.  Wills. 
WellingtonBarnes 
Alex.  C.  James. 
W.  II .  Garanflo. 

C.  J.  Hunt. 

C.F.  Weidemeyer 
John  C.  Rogers. 
James  W.  Proctor 
Wm.  F.  Buckner. 
Thos.  L.  Phillips. 
Shields&Manning 
H.  C.  Wells. 
George  R.  Riley. 
M.  C.  Horton. 
J.  F.  Evans. 
M.  F.  Robinson. 
,  Burnett  Hughes. 

D.  A.  Colvin. 

D.   W.    Malcolm. 
Henry  Augert. 

Geo.  C.  Hull. 
J.C.VanBIarcom. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA.  83 

MISSOURI— CONTIX  TIED. 

County  Seat.         County.  NameofAtty.  Name  of  Bank.  Cashier. 


Sal.  in Dent. 

Savan  nab Andrew. 

Sedalia Pettis. 

Snelbyvllle  ....Shelby. 

Springfield Greene. 

Steelville Crawford. 

Stockton Cedar. 

Trenton Grundy. 

Troy Lincoln. 

Tnscumbia Miller. 

Union Franklin. 

1  iiionvllle Putnam. 

Van  Buren Carter. 

Versailles Morgan. 

Vienna Maries. 

"Warrensburg..  Johnson. 
Warrenton  — Warren. 

Warsaw Benton. 

Waynesvllie. .  .Pulaskl. 
"West  Plains... .Howell. 


L.  Judson 
Booker  &  Williams 
Sangree  &  Lamb 
P.  B.  Dunn 
Hefferman  &  Buckley 
J.  T.  Woodruff 
Ira  E.  Barber 
Hugh  C.  Smith 
C.  H.  Avery 
E.  C.  Swalen 
Chas.  F.  Gallenkamp 
H.  D.  Marshall 
J.  C.  Carter 
Blevins  &  Daniels 
J.  D.  Crozier 
J.  W.  SudJuth 
Peers  &  Morsey 
H.  A.  Tompkins 
Joseph  McGregor 
James  Orchard 


Bk.  of  Salem 

State  Bk. 

Third  Natl.  Bk. 

Shelbyville  Bk. 

Hollands  Bk. 

Bk.  of  Steelville 

Cedar  Co.  Bk. 

Trenton  Natl.  Bk. 

Peoples  Savings  Bk. 

At  Olean,  Miller  Co.  Exchange  Bk 

Bk.  of  Union 

Natl.  Bk.  of  Unionville 

See  Poplar  Bluff 

Bk.  of  Versailles. 

See  Rolia. 

Citizens  Bk. 

Bk.  of  Warren  Co. 

Osage  Valley  Bk. 

At  Richland,  Pulaski  Co.  Bk. 

West  Plains  Bk. 


W.  A.  Young. 
W.  S.  Wells. 
R,  H.  Moses. 
M.  Dim  mitt. 
W.  B.  Sandford. 
Thos.  R.  Gibson. 
W.  B.  Humphreys 
R.  M.  Cook. 
R.  S.  Shelton. 
8.  R.  English. 
A.  W.  Hoffman. 
F.  H.  Wentworth. 

W.  L.  Stephens. 

W.  B.  Drummond 
T.  J.  Farise. 
W.  J.  Hose. 
H.  M.  Smith. 
M.  B.  Clarke. 


PRINCIPAL  CITY,  NOT  COUNTY  SEAT. 
Kansas  City.... Jackson.         Gage,  Ladd  &  Small  First  Natl.  Bk. 


E.  F.  Swinney. 


DIGEST   OF    MISSOURI    COMMERCIAL    LAWS. 

Assignments. — Every  voluntary  assignment  must  be  for  the  benefit  of  all  the  creditors 
of  the  assignor  in  proportion  to  their  respective  claims. 

Attachments. — Buying  and  selling  or  dealing  in  futures  within  six  months  next  before 
suing  out  the  attachment;  or  is  in  default  for  public  money;  or  is  a  banker  or  bank- 
ing company  and  receives  deposits  of  money,  knowing  at  the  time  he  or  it  was 
insolvent ;  or  has  made  or  published  a  false  or  fraudulent  statement  as  to  the  finan- 
cial condition  thereof.  Attachments  may  be  obtained  by  both  resident  and  non- 
resident plaintiffs  where  it  can  be  proven  that  the  defendant  is  not  a  resident  of  the 
State;  or  is  a  corporation  whose  chief  office  or  place  of  business  is  out  of  this  State; 
or  conceals  himself  so  that  the  ordinary  process  of  law  cannot  be  served  upon  him ; 
or  has  absconded  or  absented  himself  from  his  usual  place  of  abode  in  this  State, 
so  that  the  ordinary  process  of  law  cannot  be  served  upon  him ;  or  is  about  to 
remove  his  property  or  effects  out  of  this  State ;  or  is  about  to  remove  out  of  this 
State  with  the  intent  to  change  his  domicile;  or  has  fraudulently  conveyed  or 
assigned  his  property  or  effects ;  has  fraudulently  concealed,  removed  or  disposed 
of  his  property  or  effects:  or  is  about  fraudulently  to  convey  or  assign  his 


84  THE  LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

MISSOURI— CONTINUED. 

property  or  effects  ;  or  is  about  fraudulently  to  conceal,  remove  or  dispose  of 
his  property  or  effects ;  or  that  the  cause  of  action  occurred  out  of  this  State,  and 
the  defendant  has  absconded  or  secretly  removed  his  property  or  effects  into  this 
State. 

Bank  Laws. — Any  five  or  more  persons  may  associate  themselves  for  the  purpose  of 
establishing  a  bank  of  deposit,  or  discount,  or  both,  by  filing  articles  of  association. 
The  cash  capital  must  be  not  less  than  $10,000  nor  more  than  $5,000,000.  In  cities 
having  a  population  exceeding  150,000  inhabitants  the  capital  stock  shall  not  be 
less  than  $100,000.  The  entire  capital  must  be  subscribed,  and  one-half  thereof 
actually  paid  up,  before  corporate  existence  can  be  acquired,  and  the  other  half 
within  one  year.  No  person  can  be  a  director  who  is  not  a  resident  of  this  State, 
nor  at  the  same  time  a  director  in  two  State  banks,  or  in  a  State  bank,  or  in  a 
National  bank.  There  is  no  system  of  bank  examination,:but  sworn  statements  of 
the  condition  of  the  corporation  must  be  filed  in  the  office  of  the  Secretary  of  State 
whenever  by  him  required,  but  not  less  than  twice  in  each  year.  False  statements, 
as  well  as  the  receipt  or  assent  to  the  reception  of  deposits,  with  knowledge  of  the 
fact  that  the  bank  is  insolvent  or  in  failing  circumstances,  are  punishable  by  a  fine 
or  imprisonment.  Loans  of  more  than  25  per  cent,  of  its  capital  stock  to  any 
individual,  corporation  or  company  are  forbidden.  No  person  or  company  of  per- 
sons may  engage  in  the  business  of  banking  as  private  bankers  without  a  paid  up 
capital  of  not  less  than  $5,000. 

Exemptions. — Homestead  in  the  country  shall  not  include  more  than  160  acres  of  land, 
or  exceed  the  total  value  of  $1,500;  in  cities  having  a  population  of  40,000  or  more, 
such  homestead  shall  not  include  more  than  eighteen  square  rods  of  ground,  or 
exceed  the  total  value  of  $3,000;  in  cities  having  a  population  of  10,000,  and  less 
than  40,000,  such  homestead  shall  not  include  more  than  thirty  square  rods  of 
ground,  or  exceed  the  total  value  of  $1,500;  in  cities  and  incorporated  towns  and 
villages  having  a  population  of  less  than  10,000,  such  homestead  shall  not  include 
more  than  five  acres  of  ground  or  exceed  the  value  of  $1,500. 

Interest. — Legal  rate  is  six  per  cent.  Parties  may  contract  for  eight  per  cent.  Penalty 
for  usury,  forfeiture  of  interest  at  eight  per  cent,  to  the  common  schools  and  recov- 
ery by  defendant  of  his  costs.  Judgments  bear  six  per  cent,  per  annum,  unless  the 
instrument  sued  on  bears  a  different  rate,  not  to  exceed  eight  per  cent. 

Legal  Holidays. — January  1,  Sunday,  February  22,  July  4,  December  25,  any  General 
or  State  Election  Day,  and  any  Thanksgiving  Day. 

Married  Women. — All  property  of  married  women,  whether  acquired  before  or  after 
marriage,  is  her  separate  estate,  and  cannot  be  taken  for  debt  of  her  husband, 
unless  for  necessaries  of  the  family.  A  married  woman  can  make  contracts  in  her 
own  name,  buy  goods,  give  notes  in  settlement  of  purchases,  binding  her  own 
separate  property  whether  real  or  personal. 

Notarial  Fees. — Protest  $1.50  and  twenty-five  cents  for  each  notice. 

Notes  and  Bills  of  Exchange. — The  acceptance  of  a  bill  of  exchange  must  be  in 
writing  signed  by  the  acceptor.  A  promise  in  writing  to  accept  a  bill  before  it  is 
drawn  has  the  effect  of  an  actual  acceptance  in  favor  of  every  person  who  on  the 
faith  thereof  shall  pay  value  for  the  bill.  Every  person  on  whom  a  bill  is  drawn, 
and  to  whom  the  same  shall  be  delivered  for  acceptance,  who  shall  destroy  it  or  re- 
fuse within  twenty- four  hours  to  return  it,  shall  be  deemed  to  have  accepted  it. 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA.  85 

MISSOURI—  CONTINUED. 

Bills  drawn  or  negotiated  within  this  State  and  protested  draw  4  per  cent,  damages, 
if  drawn  on  any  person  within  this  State;  if  on  any  person  out  of  this  State,  but 
within  the  United  States,  10  per  cent.;  if  on  any  person  at  a  place  without  the 
United  States,  10  per  cent. ;  if  on  any  person  without  the  United  States,  30  per  cent. 
Such  damages  are  only  recoverable  by  the  holder  of  a  bill  who  shall  have  acquired 
the  same  for  a  valuable  consideration.  No  damages  are  allowed  if  the  bill  be  paid 
within  twenty  days  after  demand.  Promissory  notes  are  governed  by  the  same  rules 
of  damages.  Three  days  of  grace  are  allowed  on  all  bills  or  notes  except  those  pay- 
able at  sight  or  demand.  Paper  falling  due  on  a  holiday  shall  be  considered  payable 
on  the  next  succeeding  day. 

Stay  of  Executions. — There  is  no  law. 

Transfer  of  Corporation  Stocks. — Stock  may  be  transferred  in  any  manner  pro- 
vided by  the  by-laws  of  the  corporation,  provided  the  previous  calls  thereon  have 
been  paid.  It  is  usually  made  by  proper  endorsement  on  certificate  authorizing 
endorsee  to  have  transfer  made  on  books  of  corporation. 


86 


THE  LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


MONTANA. 


County  Seat.          County.  NameofAtty. 

Billings Yellowstone.  0.  F.  Goddard 

Boulder Jefferson.  George  D.  Greene 

Bozeman Gallatin.  Hartman  &  Hartman 

Butte  City Silver  Bow.  Corbett  &  Wellcome 

Clioteau  Teton.  See  Great  Falls 

DEER  LODGE  CITY. Deer  Lodge.  Cole  &  Whiteside 

Dillon Beaverhead.  H.  J.  Burleigh 

Fort  Benton. .  .Choteau.  Jno.  W.  Tattan 

Glasgow Valley.  Jno.  J.  Kerr 

Glendive Dawson.  T.  C.  Holmes 

Great  Falls Cascade.  Leslie  &  Downing 

Helena Lewis&ClarkeH.  S.  Hepner 

Kalispel Flathead.  Sanford  &  Grubb 

Lewlstoii Fergus.  Von  Tobel  &  Cheadle 

Livingston Park.  John  T.  Smith 

Miles  City Custer.  Strevell  &  Porter 

Missoula Missoula.  F.  G.  Webster 

Phillipsburg  .  .Granite.  W.  E.  Moore 

Stevensville  ...Pravalli.  See  Missoula 

Virginia  City.  .Madison.  W.  A.  Clark 

Whit e  Sul- 
phur SpringsMeagher. 


Crow  Indian 
Reservation 


Smith  &  Gormley 
See  Billings 


Name  of  Bank. 
Yellowstone  Nat).  Bk. 
Bk.  of  Boulder 
Bozeman  Natl.  Bk. 
First  Natl.  Bk. 

Bk.  of  Larabie  Bros.  &  Co. 

First  Natl.  Bk. 

Stockmens  Natl.  Bk. 

Bkg.  House  of  R.  P.  Lewis 

Merchants  Bk. 

First  Natl.  Bk. 

First  Natl.  Bk. 

Conrad  Natl.  Bk. 

Bk.  of  Fergus  Co. 

Natl.  Park  Bk. 

First  Natl.  Bk. 

First  Natl.  Bk. 

Merchants  &  Miners  Natl.  Bk. 

Bk.  of  Hall  &  Bennett 
First  Natl.  Bk. 


Cashier. 
J.  A.  Griggs. 
F.  C.  Barendes. 
Peter  Koch. 
Andrew  J.  Davis. 


Otto  Klemm. 
Chas.  E.  Dner. 
John  M.  Lewis. 
C.  W.  Bntler. 
G.  T.  Curtis. 
George  F.  Cope. 
W.  A.  Conrad. 
James  H.  Moe. 
J.  C.  Vilas. 
H.  B.  Wiley. 
J.  M.  Keith. 
C.  H.  Eshbaugb. 


Jamee  T.  Wood. 


DIGEST  OF  MONTANA  COMMERCIAL  LAWS. 

Assignments. — There  is  no  assignment  or  insolvency  law,  except  that  upon  an  assignment 
of  property,  all  wage-workers  are  privileged  for  work  performed  60  days  prior  to 
the  assignment. 

Attachments. — Attachments  are  allowed  without  any  allegation  of  fraud  in  the  affidavit 
therefor,  if  account  or  debt  is  due  ;  if  not,  then  upon  an  allegation  of  fraudulent 
transfer,  bond  is  required. 

Bank  Laws. — Three  or  more  persons  may  form  a  bank  of  discount  and  deposit  with  a 
paid-up  capital  of  not  less  than  $20,000.  A  certificate,  under  oath,  of  the  president 
and  cashier  must  be  made  to  the  effect  that  all  the  capital  has  been  paid  in,  which 
certificate  is  filed  with  the  State  Auditor,  and  in  the  office  of  the  Clerk  and 
Recorder  of  the  county  where  the  bank  is  to  be  located.  This  certificate  must 
specify  the  name  of  the  bank,  the  county  and  town  where  located,  the  amount  of 
the  capital,  the  number  of  shares  (which  must  be  of  the  par  value  of  $100  each), 
the  names  and  residences  of  the  stockholders,  the  number  of  shares  held  by  each, 
and  the  time  when  the  association  shall  begin  and  terminate.  One  copy  of  this 
certificate  must  be  filed  with  the  Secretary  of  State,  and  one  with  the  Clerk  and 
Recorder  of  the  county  where  the  bank  is  to  be  situated.  Every  director  must  be 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  87 

MONTANA— COXTIXUED. 

a  citizen  of  the  United  States,  and  at  least  three-fourths  of  them  must  be  citizens 
of  the  State,  and  each  must  own  at  least  ten  shares  of  stock.  Each  must 
take  an  oath  that  he  will  diligently  and  honestly  administer  the  bank's  affairs.  No 
bank  can  hold  any  real  estate,  except  such  as  may  be  necessary  for  the  transaction 
of  its  business  and  such  as  shall  be  mortgaged  or  conveyed  to  it  as  security  for 
debts  previously  owing  and  such  as  it  may  purchase  at  judicial  sales.  The  chief 
officer  shall,  on  the  first  Monday  of  January  and  July,  make  a  statement  to  the 
State  Auditor  of  the  bank's  affairs.  Officers  and  stockholders  are  individually 
liable  for  all  debts  equally  and  ratably,  to  the  extent  of  their  stock. 

Exemptions. — Homestead  of  160  acres  if  not  in  town,  or  one  lot  if  in  town  and  buildings 
thereon,  all  worth  no  more  than  $2,500,  is  exempt. 

Interest. — Interest  is  allowed  at  rate  of  10  per  cent.,  but  by  special  contract  12  per  cent, 
may  be  provided  for.  There  is  no  usury  law. 

Legal  Holidays. — Sunday,  January  1,  February  22,  May  30,  July  4,  September  1, 
December  25,  public  fast  and  Thanksgiving,  General  Election  Day. 

Limitation  of  Actions. — Limitation  of  actions  on  claims  evidenced  by  a  written  instru- 
ment must  be  commenced  within  eight  years ;  if  not  a  written  instrument,  five  years 
from  the  time  of  the  accrual  of  the  action ;  if  upon  an  open  and  running  account, 
five  years  from  date  of  last  item  thereof. 

Notarial  Fees. — Protest  $1.50  and  fifty  cents  for  each  notice. 

Notes  and  Bills  of  Exchange. —  Notes  and  bills  of  exchange  are  negotiable 
obligations  collected  by  and  in  the  name  of  the  holder  and  owner  thereof.  The 
holder  may  sue  all  the  parties  or  any  of  them  at  his  option.  Grace  is  not  allowed 
on  notes  and  bills  of  exchange.  Paper  maturing  on  a  legal  holiday  shall  be 
considered  as  due  and  payable  the  day  preceding.  The  protest  of  a  notary  public, 
under  his  hand  and  seal,  is  prima  facie  evidence  of  the  facts  contained  therein. 
After  demand  of  payment  and  refusal  by  the  maker,  drawer  or  acceptor  of  any 
commercial  paper  the  notary  public  making  such  a  demand  may  inform  the 
indorser  or  any  party  to  be  charged  if  in  the  same  town  or  township,  by  notice 
deposited  in  the  nearest  post-office  to  the  party  to  be  charged  on  the  day  of  the 
demand,  and  no  other  notice  shall  be  necessary  to  charge  said  party. 

Transfer  of  Corporation  Stocks. — A  transfer  of  stock  is  good  only  between  the 
parties  thereto  until  transferred  on  the  company's  books. 


88 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


NEBRASKA. 


County  Seat.          County. 

A 1  IIM  w  orth Brown. 

Albion Boone. 

Alma Harlan. 

Auburn Nemaha. 

Aurora Hamilton. 

Bartlett  Wheeler. 

Bassett Rock. 

Beatrice Gage. 

Beaver  City Furnace. 

Benkleman  . . .  Dnndv. 

Big  Springs Denel. 

Blair Washington. 

Bloomlngton  .Franklin. 

Bre  water Blaine. 

Broken  How  ..Ouster. 

Burwell Garfleld. 

Butte Boyd. 

Central  City  . .  .Merrick. 

Chad  ron Dawes. 

Clay  Centre  . .  ..Clay. 

Columbus Platte. 

Dakota Dakota. 

David  City Butler. 

El  wood Gosper. 

Falrbury Jefferson. 

Falls  City Richardson. 

Fremont Dodge. 

Fullerton Nance. 

Gaudy Logan. 

Geneva Fillmore. 

Gerlng Scotts  Bluff. 

Grand  Island. .Hall. 

Grant  Perkins. 

narrlsburg  ....Banner. 

Harrison Sioux. 

Hartlngton Cedar. 

Hastings Adams. 

Hayes  Centre.  .Hayes. 

Hebron Thayer. 

Hemingford...Box  Butte. 

Holdrege Phelps. 

Hyannls Grant. 

Imperial Chase. 

Indlanola Red  Willow 

Kearney Buffalo. 

Klmball Kimball. 

Lexington Dawson. 


Name  of  Atty. 
P.  D.  McAndrew 
J.  A.  Price 

D.  S.  Hardin 
Jno.  S.  Stull 
Howard  M.  Kellogg 
R.  L.  Staple 
J.J.Carlin 

Griggs,  Rinaker  &  Bibb 
McClure  &  Anderson 
J.  W.  James 

E.  D.  Hamilton 
Walton  &  Mummert 
A.  H.  Byrum 

E.  R.  Riggs 
Sullivan  &  Gutterson 
Guy  Laverty 
Geo.  f.  Knapp 
W.  T.  Thompson 
Albert  W.  Crites 
J.  L.  Epperson  &  Sons 
Albert  &  Reeder 
Joy  &  Beck 
S.  H.  Steele 

A.  M.  White 
W.  P.  Freeman 
C.  Gillespie 

M  linger  &  Courtwright 
W.  F.  Critchfield 
J.  E.  Morrison 
Charles  H.  Sloan 
M.  J.  Huffman 
Geo.  H.  Thummel 

B.  F.  Hastings 
Ed.  A.  Mann 
A.  T.  Clark 

J.  C.  Robinson 

Tibbets,  Morey  &  Ferris 

R.  C.  Orr 

M.  H.  Weiss 

Tuttle  &  Tate 

Rhea  Bros. 

See  Hemingford 

C.  W.  Meeker 
J.  S.  Phillips 
Dryden  &  Main 
J.  W.  Davis 

C.  W.  McNamara 


Name  of  Bank. 
Exchange  Bk. 
Albion  Natl.  Bk. 
First  Natl.  Bk. 
Carson  Natl.  Bk. 
First  Natl.  Bk. 
See  Burwell 
State  Bk.  of  Bassett 
Beatrice  Natl.  Bk. 
First  Natl.  Bk. 
Bk.  of  Benkleman 
State  Bk.  of  Big  Springs 
Bkg.  House  of  A.  Castetter 
Franklin  Co.  Bk. 
International  State  Bk. 
Farmers  Bk. 
First  Bk.  of  Burwell. 
Farmers  &  Merchants  Bk. 
Farmers  State  Bk. 
Chadron  Bkg.  Co. 
State  Bk.  of  Clay  Centre 
First  Natl.  Bk. 
Bk.  of  Dakota  City 
Central  Nebraska  Natl.  Bk. 
State  Bk.  of  Elwood 
Herbine  Bk.  of  Fairbury 
Richardson  Co.  Bk. 
Fremont  Natl.  Bk. 
Citizens  State  Bk. 
State  Bk.  of  Gandy 
Geneva  Natl.  Bk. 
Bk.  of  Gering. 
First  Natl.  Bk. 
At  Madrid,  Bk.  of  Madrid. 
Banner  Co.  Bk. 
Commercial  Bk. 
Hartington  State  Bk. 
First  Natl.  Bk. 
State  Bk.  of  Hayes  Centre 
First  Natl.  Bk. 
Box  Butte  Bk. 
First  Natl.  Bk. 
See  Thedford 
Farmers  &  Merchants  Bk. 
State  Bk. 
City  Natl.  Bk. 
Bk.  of  Kimball 
First  Natl.  Bk. 


Cashier. 
J.  M.  Kingery. 
W.  Baker. 

C.  W.  Griffin. 

E.  M.  Boyd. 

J.  F.  Houseman. 

J.  A.  Hillburg. 

D.  W.  Cook. 

C.  E.  V.  Smith. 
Oscar  Calliham. 
R.  J.  Vinton. 

F.  M.  Castetter. 
Chas.  K.  Hart. 
P.  C.  Erickson. 
J.  A.  Harris. 
A.  I.  Cram. 

H.  W.  Andrews. 
W.  C.  Kerr. 
A.  P.  Sloan. 
W.  J.  Gardiner. 
O.  T.  Roen. 
M.  O.  Ayres. 
Geo.  R.  Colton. 

E.  Shallenberger. 
H.  F.  Hole. 

G.  W.  Holland. 
Julius  Beckman. 

F.  M.  La  Grange. 
E.  R.  Smith. 

M.  R.  Chettick. 
Peter  McFarlane. 
C.  F.  Bentley. 

G.  W.  Snider. 

C.  J.  Carlisle. 

D.  H.  Griswold. 
A.  M.  Merrill. 
G.  H.  Pratt. 

J.  L.  Blood. 
J.  H.  Lynch. 
C.  A.  Burlew. 

E.  J.  Titus. 

O.P.  Shallenberger 
Michael  Morris. 
J.  S.  Adair. 
L.  W.  Bickel. 
H.  V.  Temple. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


89 


NEBRASKA— CONTINUED. 


County  Seat.         County. 

Name  of  Atty. 

Name  of  Bank. 

Cashier. 

Lincoln  Lancaster. 

Sawyer,  Snell  &  Frost 

First  Natl.  Bk. 

F.  M.  Cook. 

Loup  City  Sherman. 

Long  &  Mathew 

Farmers  State  Bk. 

Wm.  Shaedla 

Madison  Madison. 

Moyer  Bros. 

First  Natl.  Bk. 

M.  C.  Garrett. 

McPherson  McPherson. 

See  Gandy 

91  i  iid  c  ii  Kearney. 

J.  L.  McPheely 

Minden  Exchange  Bk. 

Kingsley  Bros. 

Mullen  Hooker. 

See  Thedford 

Nebraska  City.Otoc. 

John  C.  Watson 

Merchants  Natl.  Bk. 

H.  N.  Shewell. 

Nellgb  Antelope. 

N.  D.  Jackson 

First  Natl.  Bk. 

C.  R.  Allder. 

Nelson  Nucols. 

Searle  &  Coleman 

First  Natl.  Bk. 

S.  A.  Lapp. 

\  iobrara  Knox. 

E.  A.  Houston 

Niobrara  Valley  Bk. 

S.  Draper. 

North  Platte  .  .Lincoln. 

French  &  Baldwin 

First  Natl.  Bk. 

A.  McNamara. 

Ogallala  Keith. 

Muldoon  &  Phelps 

Bk.  of  Ogallala. 

F.  G.  Hoxie. 

Omaba  Douglas. 

Lake  &  Hamilton 

First  Natl.  Bk. 

F.  H.  Davie. 

O'Neill  Holt. 

M.  F.  Harrington 

State  Bk.  of  O'Neill 

John  McHugh. 

Ord  Valley. 

Clements  Bros. 

First  Natl.  Bk. 

E.  N.  Mitchell. 

Osceola  Polk. 

E.  L.  King 

Osceola  Bk. 

O.  E.  Mickey. 

Papllllon  Sarpy. 

James  Hassett 

Bk.  of  E.  W.  Clarke 

J.  D.  Clarke. 

Pawnee  City...  Pawnee. 

Story  &  Story 

First  Natl.  Bk. 

John  C.  David. 

Pender  Thureton. 

R.  G.  Strong 

First  Natl.  Bk. 

B.  A.  Wiltee. 

Pierce  Pierce. 

W.  W.  Quivey 

First  Natl.  Bk. 

Woods  Cones. 

Plattsmouth  ..Cass. 

Beeson  &  Root 

Bk.  of  Cass  Co. 

J.  M.  Patterson. 

Poiica   Dixon. 

J.  J.  McCarthy 

Bk.  of  Dixon  Co. 

H.  C.  Howe. 

Red  Cloud          Webster. 

Case  &  McNitt 

State  Bk.  of  Red  Cloud 

W.  T.  Auld. 

Rusbvllle  Sheridan. 

W.  W.  Wood 

Citizens  Bk. 

M.P.Musser&Co. 

St.  Paul  Howard. 

T.  T.  Bell 

St.  Paul  Natl.  Bk. 

A.  U.  Dann. 

Schuyler  Coif  ax. 

Geo.  H.  Thomas 

First  Natl.  Bk. 

Morris  Palmer. 

Scotia  Greeley. 

H.  S.  Sprecher 

Peoples  Bk. 

W.  E.  Hannon. 

Se  \vard  Seward. 

Anderson  &  Terwilliger 

State  Bk.  of  Nebraska. 

C.  W.  Barkley. 

Sidney  Cheyenne. 

James  L.  Mclntosh 

American  Bk. 

George  E.  Taylor. 

Spring  view  Keya  I  'a  ha. 

J.  B.  Farnsworth 

Keya  Paha  Co.  Bk. 

F.  H.  Jones. 

Stanton  Stanton. 

John  A.  Ehrhardt 

First  Natl.  Bk. 

Win.  Gerecke. 

Siorkville  Frontier. 

L.  H.  Cheney 

Farmers  &  Merchants  State  Bk. 

H.  H.  Griffith. 

Taylor  Loup. 

A.  S.  Moon 

Taylor  State  Bk. 

A.  S.  Moon. 

Tecnmseb  Johnson. 

S.  P.  Davidson 

Chamberlain  Bkg.  House. 

C.M.  Chamberlain 

Tekamah  Burt. 

1.  0.  Hopewell 

First  Natl.  Bk. 

Ed.  Latta. 

Tbedford  Thomas. 

Jno.  H.  Evans 

Thedford  Bk. 

J.  M.  McMillan. 

Trenton  Hitchcock. 

Button  &  Button 

Trenton  State  Bk. 

A.  O.  Robinson. 

Valentine  Cherry. 

F.  M.  Walcott 

Cherry  Co.  Bk. 

Chas.  Sparks. 

\Valio<>  Saunders. 

Good  &  Good 

First  Natl.  Bk. 

Peter  Anderson. 

Wayne  Wayne. 

A.  A.  Walsh 

Citizens  Bk. 

D.  C.  Main. 

West  Point  Cnming. 

J.  C.  Crawford 

National  Bk. 

J.  W.  Shearer. 

Wllber  Saline. 

Hastings  &  McGintie 

State  Bk.  of  Wilber. 

F.  F.  Gay. 

York  York. 

Gilbert  Bros. 

First  Natl.  Bk. 

E.  J.  Whitman. 

90  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 

NEBRASKA— CONTINUED. 

DIGEST  OF  NEBRASKA  COMMERCIAL  LAWS. 

Assignments. — An  assignment  must  include  all  property  of  assignor  and  no  preferences 
are  allowed. 

Attachments. — Attachments  may  issue  where  the  defendant  is  a  non-resident  or  foreign 
corporation ;  has  absconded  with  the  intent  to  defraud  creditors ;  has  left  the 
county  of  his  residence  to  avoid  service  of  summons;  so  conceals  himself  that  sum- 
mons cannot  be  served  upon  him  ;  is  about  to  move  his  property  out  of  the  jurisdic- 
tion of  the  court  with  the  intention  to  defraud  his  creditors  ;  is  about  to  convert  his 
property  into  money  for  the  purpose  of  placing  it  beyond  their  reach  ;  has  property 
or  rights  in  action  which  he  conceals  ;  has  assigned,  removed  or  disposed  of,  or  is 
about  to  dispose  of  his  property  with  fraudulent  intent  ;  fraudulently  contracted 
the  debt. 

Bank  Laws. — Any  number  of  persons  may  form  a  corporation  for  banking  purposes. 
They  must  adopt  and  record  in  office  of  the  County  Clerk  of  the  county  where  the 
business  is  to  be  transacted,  their  articles  of  association.  Notice  must  be  published 
in  a  newspaper  in  the  proposed  place  of  business,  giving  the  name  of  the  bank,  its 
place  of  business,  capital,  time  and  condition  of  payment  of  the  capital,  the  begin- 
ning and  termination  of  corporate  existence,  the  maximum  liability  that  may  be  in- 
curred, and  the  names  of  the  officers.  The  liabilities  of  the  bank  must  not  exceed 
two-thirds  of  the  capital  stock,  except  in  cases  of  banks  of  deposit  only.  All  banks 
must  publish  quarterly  statements  of  their  assets  and  liabilities,  and  stockholders 
are  liable  to  the  creditors  of  the  bank  in  an  amount  equal  to  the  par  value  of  the 
stock  held  by  them  in  addition  to  the  cost  of  said  stock.  The  cash  capital  of  banks 
must  be  as  follows:  In  villages  of  1,000  population,  $5,000  and  upwards;  those  of 
1,500  population,  $10,000  and  upwards;  those  of  3,000,  $20,000  and  upwards;  those 
of  5,000  population,  $30,000  and  upwards,  and  those  of  10,000  population,  $50,000 
and  upwards.  Reports  must  be  made  by  the  bank  officers  not  less  than  three  times 
per  year,  to  the  State  Board,  consisting  of  the  State  Auditor,  State  Treasurer  and 
Attorney-General,  showing  the  bank's  condition. 

Exemptions. — There  is  exempt  from  judicial  sale  to  every  family  a  homestead,  not  ex- 
ceeding in  value  $2,000,  consisting  of  a  dwelling  house  in  which  claimant  resides 
and  its  appurtenances  and  lands  on  which  the  same  is  situated,  not  exceeding  160 
acres,  or  if  within  an  incorporated  city  or  village  a  quantity  of  contiguous  lands  not 
exceeding  two  lots. 

Interest. — Legal  rate  is  7  per  cent.,  but  by  agreement  may  be  10  per  cent.  The  penalty 
for  taking  a  greater  rate  of  interest  than  10  per  cent,  is  loss  of  all  interest  and  costs 
of  an  action. 

Legal  Holidays. — Sunday,  January  1,  February  22,  April  22,  May  30,  July  4,  Septem- 
ber 1,  December  25,  public  fast  and  Thanksgiving,  Labor  Day. 

Limitation  of  Actions. — Upon  a  contract  not  in  writing,  expressed  or  implied,  four 
years.  Upon  a  specialty  or  an  agreement,  contract  or  promise  in  writing,  or  foreign 
judgment,  five  years.  For  the  recovery  of  the  title  or  possession  of  land,  tenements 
or  hereditaments,  including  also  mortgages,  ten  years. 

married  \Vomen. — All  property  of  married  women,  whether  acquired  before  or  after 
marriage,  except  gifts  of  the  husband,  are  her  sole  and  separate  estate,  and  are  not 
liable  for  the  husband's  debts.  She  may  buy,  sell,  and  trade  on  her  own  account, 
and  her  separate  estate  is  liable  for  her  debts  so  contracted. 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA.  91 

NEBRASKA— CONTINUED. 

Notarial  Fees. — Protest  $1,  copy  fifty  cents,  each  notice  twenty-five  cents  and  postage. 

BJotes  and  Bill*  of  Exchange. — Notes  and  bills  of  exchange  are  entitled  to  three  days' 
grace.  When  holiday  occurs  on  Monday,  notes,  etc. ,  falling  due  on  that  day  are 
payable  the  day  thereafter;  all  other  business,  contracts,  etc.,  remain  unaffected 
by  holidays.  Foreign  bills  of  exchange,  notes,  and  drafts  must  be  protested, 
and  protest  fees  can  be  recovered.  Where  all  the  parties  are  within  this  State,  no 
protest  is  necessary,  and  fees,  therefore,  cannot  be  recovered,  but  prompt  notice 
must  be  given.  Damages  on  domestic  bills,  6  per  cent. ,  and  on  foreign  bills,  12 
per  cent. 

Transfer  of  Corporation  Stocks. — No  statute  or  decision  on  this  point.  Question 
now  pending  in  Supreme  Court. 


92 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 


NEVADA. 


County  Seal.         County. 

Austin Lander. 

Belmont  ., Nye. 

Carson  City Ormsby. 

Dayton Lyon. 

Klko Elko. 

Eureka Eureka. 

Hamilton White  Pine. 

Hawthorne  . . .  Esmeralda. 

Genoa Douglass. 

Ploche Lincoln. 

Rene Washoe. 

Sti  I  Iwater Churchill. 

Virginia  City.. Storey. 
Wiunemucca  .Humboldt. 


Name  of  A  tty. 
W.  D.  Jones 
J.  P.  Lamb 
T.  Coffin 
John  Lathrop 
E.  S.  Farington 
Theodore  Wren 
See  Eureka 
Benjamin  Curler 
D.  W.  Virgin 
T.  J.  Osborne 
T.  V.  Julien 
L.  Allen 
W.  E.  F.  Deal 
M.  J.  Bonnifield 


Name  of  Bank. 
State  Bk.  of  Nevada 
See  Austin 

Bullion  &  Exchange  Bk. 
See  Virginia  City 
Henderson  Bkg.  Co. 
Eureka  Co.  Bk. 

See  Carson  City 
See  Carson  City 
J.  Eiseman  (Broker) 
First  Natl.  Bk. 
See  Virginia  City 
Bk.  of  California. 
First  Natl.  Bk. 


Cashier. 
G.  A.  Land. 


T.  E.  Hofer. 


John  Henderson. 
John  Torre. 


Chas.  T.  Bender. 

A.  I.  Bloch  (Agt). 
Geo.  8.  Nixon. 


DIGEST  OF  NEVADA  COMMERCIAL  LAWS. 

Assignments. — Every  insolvent  debtor  may  be  discharged  from  his  debts  upon  executing 
an  assignment  of  all  his  property,  real,  personal  or  mixed,  for  the  benefit  of  all  his 
creditors,  and  upon  compliance  with  the  general  provisions  of  the  Insolvent  Act. 

Attachments. — Attachment  may  issue  in  an  action  upon  a  contract  for  the  direct  payment 
of  money  made  or  by  the  terms  thereof  payable  in  this  State,  which  is  not  secured 
by  mortgage,  lien  or  pledge  upon  real  or  personal  property  situated  or  being  in  this 
State,  and  if  so  secured  when  such  security  has  been  rendered  nugatory  by  the  act 
of  the  defendant;  in  an  action  against  a  defendant  not  residing  in  this  State;  in  an 
action  by  a  resident  of  this  State  for  the  recovery  of  the  value  of  property,  where 
such  property  has  been  conveyed  by  a  defendant  without  the  consent  of  the  owner 
where  the  defendant  has  absconded,  or  is  about  to  abscond,  with  the  intent  to  de- 
fraud his  creditors;  where  a  defendant  conceals  himself  so  that  service  of  summons 
cannot  be  made  upon  him;  where  a  defendant  is  about  to  remove  his  property,  or 
any  part  thereof  beyond  the  jurisdiction  of  the  court,  with  the  intent  to  defraud  his 
creditors;  where  a  defendant  is  about  to  convert  his  property  into  money  with  the 
intent  to  place  it  beyond  the  reach  of  his  creditors;  where  a  defendant  has  assigned, 
removed,  disposed  of,  or  is  about  to  dispose  of  his  property,  or  any  part  thereof, 
with  intent  to  defraud  his  creditors ;  where  a  defendant  has  fraudulently  or  criminally 
contracted  the  debt  or  incurred  the  obligation  for  which  suit  has  been  commenced. 

Bank  Laws. — Three  or  more  persons  may  form  a  banking  company  upon  signing  and 
acknowledging  a  certificate,  stating  the  corporate  name  of  the  proposed  bank,  the 
amount  of  its  capital,  the  time  for  which  it  is  to  exist,  the  number  of  shares  into 
which  the  capital  is  to  be  divided,  the  number  and  names  of  the  persons  who  are  to 
act  as  trustees  for  the  first  six  months,  and  the  name  of  the  place  where  the  business 
is  to  be  transacted,  and  filing  and  recording  this  certificate  in  the  office  of  the  Clerk 
of  the  county  within  which  the  principal  place  of  business  of  the  bank  is  to  be 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  93 

NEVADA — CONTINUED. 

located,  and  having  a  certified  copy  thereof  filed  in  the  office  of  the  Secretary  of 
State.  There  is  no  provision  for  official  visitation;  nor  are  banks  required  to  make 
report  of  their  condition. 

Exemptions. — A  homestead  not  exceeding  $5,000  to  be  selected  by  the  husband  and  wife, 
or  either  of  them,  or  other  head  of  the  family,  is  exempt  from  forced  sale  on  execu- 
tion, or  other  process  from  the  courts. 

Interest.— Legal  rate  is  7  per  cent.,  but  parties  may  agree  in  writing,  for  any  rate  of  inter- 
est whatever  on  any  contract.  Banks  are  allowed  interest  at  the  rate  of  34  per  cent, 
per  annum  when  there  is  no  contract  in  writing  for  a  different  rate,  for  all  money 
due  on  instruments  in  writing  payable  to  them,  on  overdrawn  accounts  with  them 
and  on  any  judgment  recovered  therefor. 

Legal  Holidays. — Sunday,  January  1,  February  22,  July  4,  December  25,  and  Thanks- 
giving Day. 

Limitation  of  Action s. — Upon  a  contract,  obligation  or  liability,  founded  upon  an 
instrument  in  writing,  except  when  a  disability  prevents  the  institution  of  an 
action,  within  six  years.  An  action  on  an  open  account  for  goods,  wares  and  mer- 
chandise, sold  and  delivered ;  for  any  article  charged  in  a  store  account;  upon  a 
contract,  obligation  or  liability,  not  founded  upon  an  instrument  in  writing  within 
four  years. 

married  Women. — All  property  of  the  wife  owned  by  her  before  marriage,  or  acquired 
afterwards  by  gift,  bequest,  devise  or  descent,  is  her  sole  estate.  All  property 
obtained  since  marriage  is  common  property  ;  the  husband  has  absolute  control  of 
common  property.  The  wife  may  buy,  sell  or  trade,  and  give  notes  in  payment  of 
purchases,  and  her  separate  property  is  liable  for  the  same. 

Notarial  Fees. — Protest  $1.50  and  seventy-five  cents  for  each  notice. 

Notes  and  Bills  of  Exchange. — Commercial  paper  includes  promises  to  pay  to  order 
or  bearer,  without  condition,  for  a  sum  certain,  and  at  a  time  certain.  No 
requirement  respecting  place  of  payment,  but,  if  place  of  payment  is  named, 
demand  should  be  made  before  protest  at  place  named.  Protest  and  notice  will 
hold  the  indorser,  and  the  general  statute  of  limitation,  six  years,  and  on  open 
account,  four  years,  is  the  limitation  of  the  right  of  action.  Fifteen  per  cent, 
damages  are  allowed  on  domestic,  and  twenty  per  cent,  on  foreign  bills  protested. 
Three  days  of  grace  are  allowed  on  notes  and  bills  of  exchange,  but  not  on  sight 
drafts.  Paper  maturing  on  a  holiday  is  due  and  payable  on  the  preceding  day. 

Stay  of  Executions.— Discretionary  with  the  courts. 

Transfer  of  Corporation  Stocks. — By  endorsement  and  delivery  of  the  stock. 


94 


THE    LEGAL   AND   FINANCIAL  LIGHTS   OF   AMERICA. 


NEW  HAMPSHIRE. 


County  Seat.          County.  Name  of  Atty. 

Colebrook Coos.  T.  F.  Johnson 

Concord Merrimac.       Sargent  &  Hollis 

Dover Strafford.        R.  G.  Pike 

Exeter Rockinghain.  Eastman,  Young  &  O'Neil 

Kee  lie Cheshire.         Batchelder  &  Faulkner 

Lacouia Belknap.         Jewett  &  Plummer 

Nashua Hillsborough.C.  J.  Hamblett 

Newport Sullivan.         A.  S.  Wait 

Ossipee Carroll.  Frank  Weeks 

Plymouth Grafton.         Burleigh  &  Adams 


Name  of  Bank. 
Colebrook  Natl.  Bk. 
First  Natl.  Bk. 
Strafford  Natl.  Bk. 
Exeter  Bkg.  Co. 
Keene  Natl.  Bk. 
Laconia  Natl.  Bk. 
Indian  Head  Natl.  Bk. 
Citizens  Natl.  Bk. 
At  Wolfeboro, 

Wolfeboro  Loan  &  Bkg.  Co. 
Pemigewasset  Natl.  Bk. 


PRINCIPAL  CITIES,  NOT  COUNTY  SEATS. 

Lancaster Coos.  Drew,  Jordan  &  Buckley       Lancaster  Natl.  Bk. 

Manchester — Hillsborough. David  Cross  Manchester  Natl.  Bk. 

Portsmouth... Rockingham.J.  S.  H.  Frink  New  Hampshire  Natl.  Bk. 


Cashier. 
H.  F.  Bailey. 
Chas.  G.  Remick. 
C.  8.  Cartland. 
C.  E.  Byington. 
W.  L.  Mason. 
O.  W.  Tibbetts. 
Ira  F.  Harris. 
P.  A.  Johnson. 

C.  F.  Piper. 
R.  E.  Smythe. 


F.  D.  Hutching. 
W.  B.  Stearns. 
W.  C.  Walton. 


DIGEST  OF  NEW  HAMPSHIRE  COMMERCIAL  LAWS. 

Assign tneiits. — Assignment  must  include  all  the  debtor's  property,  except  what  is  exempt 
from  attachment,  for  the  equal  benefits  of  all  his  creditors. 

Attach  ments. — In  most  actions,  any  property  which  may  be  taken  upon  execution,  may 
be  attached  and  holden  as  security  for  the  judgment  the  plaintiff  may  recover.  The 
property  of  the  defendant  in  the  hands  of  a  third  person,  and  debts  due  the  defend- 
ant, may  be  attached  by  trustee  process,  service  being  made  upon  the  defendant 
and  trustee  as  in  other  cases.  Property  attached  is  holden  for  thirty  days  from  the 
rendition  of  judgment,  and  the  levy  of  the  execution  must  be  commenced  within 
that  time.  No  valid  attachment  can  be  made  to  secure  claims  not  due  at  the  com- 
mencement of  the  action.  Attaching  creditors  acquire  a  lien  in  the  order  of  their 
attachments,  and  do  not  share  in  the  attached  property,  pro  rata. 

Bank  Laws. — State  banks  are  chartered  by  the  Legislature  only,  and  capital  must  be 
fully  paid  up  in  actual  cash  before  business  is  begun.  Each  stockholder  is  liable 
only  for  the  par  value  of  his  stock.  Statement  of  condition  to  be  made  once  in 
three  months  to  the  Secretary  of  State.  Three  Bank  Commissioners  appointed  by 
the  Governor  examine  all  banks  once,  at  least  every  year,  and  report  their  conditions 
to  the  Governor. 

Exemptions. — The  wife,  widow  and  children  of  every  person  who  is  the  owner  of  a 
homestead,  or  any  interest  therein,  are  entitled  to  so  much  thereof  as  does  not 
exceed  in  value  $500.  If  the  wife  owns  a  homestead  at  her  decease,  the  life  estate 
of  the  surviving  husband,  not  exceeding  the  value  of  $500,  is  exempt  to  him.  A 
homestead  of  the  value  of  $500  is  also  exempt  to  an  unmarried  person  owning  the 
same. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  95 

NEW  HAMPSHIRE— CONTINUED. 

Interest. — Legal  rate  is  six  per  cent,  per  annum,  unless  a  lower  rate  is  stipulated.  The 
penalty  for  usuiy  is  forfeiture  of  all  the  interest. 

Legal  Holidays. — Sunday,  Thanksgiving,  Fast  Day,  Christmas,  July  4,  February  22, 
May  30,  or  any  day  on  which  a  general  election  is  held  for  members  of  the  Legis- 
lature, first  Monday  of  September  (Labor  Day). 

Limitation  oT  Action!). — Actions  for  the  recovery  of  real  estate,  upon  notes  secured  by 
mortgage  and  upon  judgments  (whether  domestic  or  foreign),  recognizances  and 
contracts  under  seal  must  be  brought  within  twenty  years.  Actions  for  trespass  to 
the  person  and  defamatory  words  must  be  brought  within  two  years,  and  all  other 
personal  actions  within  six  years  after  the  cause  of  action  accrues.  A  debt  is 
revived  by  any  new  promise,  verbal  or  written. 

Married  Women.— By  an  act  of  the  Legislature,  passed  June  2d,  1876,  a  married 
woman  may  make  contracts,  sue  and  be  sued  in  all  matters  in  law  and  equity,  in 
the  same  manner  as  if  she  was  femme  sole  ;  provided,  however,  that  all  laws  then 
in  force,  as  to  contracts  and  conveyances  between  husband  and  wife,  and  as  to  the 
rights  of  the  husband,  in  her  property  and  estate,  shall  not  be  affected  thereby  ; 
and  provided,  also,  that  no  contract  or  conveyance  by  a  married  woman  as  surety 
or  guarantor  for  her  husband,  nor  any  undertaking  by  her  for  him  or  in  his  behalf, 
shall  be  binding  to  her. 

Notarial    Fees. — Protest  50  cents  and  twenty-five  cents  for  each  notice. 

Notes  and  Bills  of  F.xchaiiiue. — Demand  notes  must  be  protested  within  sixty 
days  from  the  date  of  their  endorsement  to  hold  endorsers.  All  negotiable  paper, 
save  that  payable  on  demand,  is  entitled  to  three  days  of  grace,  and  all  such  paper 
maturing  on  a  holiday  is  payable  the  preceding  business  day.  Notaries  public  are 
the  proper  protesting  officers.  Notice  of  the  non-payment  or  the  non-acceptance 
upon  residents  by  mail  is  sufficient. 

Stay    of  Executions. — By  special  order  of  court  only. 

Transfer  of  Corporation  Stocks. — The  delivery  of  a  stock  certificate  to  a 
bona  fide  purchaser  or  pledgee,  with  a  written  transfer  of  same,  is  sufficient  to 
to  transfer  the  title  against  all  persons  but  the  corporation. 


96 


THE   LEGAL  AND   FINANCIAL  LIGHTS   OF   AMERICA. 


NEW  JERSEY. 


County  Seat. 

Belvidere 

Bridget  011 

Camden 

Cape  .Hay  

Elizabeth 

Flemlngton  .. 

Freehold 

Hackeiisack  . 
Jersey  City — 


County. 
.  Warren. 
.Cumberland. 
.Camden. 
.Cape  May. 
.Union. 
.Hunterdon. 
.Monmouth. 
.Bergen. 
.Hudson. 


Name  of  Atty. 
L.  0.  Taylor 
James  R.  Hoagland 
Howard  M.  Cooper 
J.  S.  Learning 
P.  H.  Gilhooly 
H.  S.  Fluck 
F.  Parker 

Johnson  &  Ackerson 
Babbit  &  Lawrence 


Name  of  Sank. 
Belvidere  Natl.  Bk. 
Cumberland  Natl.  Bk. 
Natl.  State  Bk. 

New  Jersey  Tr.  &  Safe  Dep.  Co. 
First  Natl.  Bk. 
Flemington  Natl.  Bk. 
First  Natl.  Bk. 
Hackensack  Bk. 
First  Natl.  Bk. 


Cashier. 
A.  B.  Kelsey. 

F.  M.  Riley. 
W.  F.  Rose. 

H.  C.  Thompson. 
E.  L.  Tillou. 
N.  D.  Stiger. 
J.W.S.  Campbell. 
H.  D.  Terhune. 

G.  W.  Conklin. 


May'sLaiidingAllantic.  J.  E.  P.  Abbott 

Ittorristovvn — Morris.  Stephen  H.  Little 

mount  Holly.. Burlington.  Franklin  B.  Lewis 

Newark Essex.  George  W.  Hubbel 


At  Atlantic  City. 

Atlantic  City  Natl.  Bk. 

First  Natl.  Bk. 
Farmers  Natl.  Bk. 
Essel  Co.  Natl.  Bk. 


F.  P.  Qnigley. 
J.  H.  Van  Doren. 
J.  B.  Davis. 
F.  B.  Adams. 


NEW  BRUNSWICK   Middlesex. 

Newton Sussex. 

Paterson Passaic. 

Salem Salem. 

Somerville Somerset. 

Tom's  River  . .  Ocean. 

Trenton  Mercer. 

Woodbiiry Gloucester. 


Woodbridge,  Strong  &  Sons. Natl.  Bk.  of  New  Jersey 


L.  Van  Blarcom 
G.  A.  Hobart 
M.  P.  Grey 
James  J.  Bergen 
T.  W.  Middleton 
Lowthorp  &  Oliphant 
John  S.  Jessup 


Merchants  Natl.  Bk. 
First  Natl.  Bk. 
Salem  Natl.  Bkg.  Co. 
First  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 


H.  G.  Parker. 
John  C.  Howell. 
W.  G.  Scott. 
H.  M.  Rumsey. 
Wm.  H.  Taylor. 
Wm.  A.  Low. 
Chas.  Whitehead. 
John  F.  Grahair. 


DIGEST    OF    NEW    JERSEY    COMMERCIAL    LAWS. 

A§§ignnient§. — Assignments  by  debtors  for  the  benefit  of  creditors  must  be  without 
preference,  and  all  others  are  void. 

Attachments*. — A  creditor  may  attach  the  property  of  a  non-resident  or  absconding 
debtor  by  making  oath  to  the  fact,  and  to  the  amount  of  his  claim.  Attachments 
are  for  the  benefit  of  all  applying  creditors.  Debts  not  due  may  be  proved  under 
any  attachment  issued  and  receive  their  pro  rata  dividend. 

Bank  L.aw§. — Any  number  of  persons,  not  less  than  seven  citizens  of  the  State,  may 
associate  to  establish  a  bank  or  a  banking  company,  but  the  aggregate  amount  of 
the  capital  stock  of  any  such  association  shall  not  be  less  than  $50,000.  The  persons 
so  associating  shall,  under  their  hands  and  seals,  make  a  certificate,  by  the  terms  of 
which  such  association  shall  be  bound,  which  shall  specify  the  name  assumed  to 
distinguish  such  association;  the  place  where  the  business  is  to  be  carried  on;  the 
amount  of  the  capital  stock,  and  the  number  of  shares;  the  names  and  places  of 
residence  of  the  shareholders,  and  the  number  of  shares  held  by  each  of  them,  and 
the  period  at  which  such  association  shall  commence  and  terminate,  which  shall  not 
be  for  a  longer  term  than  twenty  years.  This  certificate  shall  be  proved  or  acknowl- 
edged in  the  same  manner  as  deeds,  and  recorded  in  the  office  of  the  Secretary  of 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  97 

NEW  JERSEY— CONTINUED. 

State  and  in  the  Clerk's  Office  of  the  county  where  the  office  of  such  association 
shall  be  established ;  but  it  shall  not  be  lawful  for  any  association  to  locate  their 
office  in  any  other  than  one  of  the  county  towns,  or  incorporated  cities,  boroughs 
or  towns,  except  by  permission  of  the  Commissioner  of  Banking  and  Insurance,  to 
whom  all  matters  relating  to  banks  are  committed,  and  in  whom  lies  the  right  of 
examination.  The  Legislature  may  dissolve  any  company  created  by  virtue  of  this 
act.  The  Chancellor  may  order  an  examination  on  application  of  creditors  or  stock- 
holders. Banks  usually  publish  a  statement,  and  make  annual  reports  to  the  State 
Treasurer. 

Exemptions. — House  and  lot  to  the  value  of  $1,000.  The  conveyance  should  show  that 
the  property  is  to  be  held  as  a  homestead,  or  a  notice  to  that  effect  should  be 
recorded  in  the  clerk's  office  and  published  for  six  weeks  in  one  or  more  news- 
papers of  the  county. 

Intere§t.— Legal  rate  is  6  per  cent.,  and  the  penalty  of  usury  is  loss  of  all  interest  and 
costs  if  suit  be  necessary  to  recover. 

Legal  Holiday**. — Sunday,  January  1,  February  22,  May  30,  July  4,  First  Monday  of 
September  (Labor  Day),  Thanksgiving  Day,  December  25,  any  General  Election 
Day,  every  Saturday  from  noon  until  midnight,  and  every  Thanksgiving  or  Fast 
Day  recommended  by  the  Governor  or  President. 

Limitation  of  Action*. — Contracts  not  under  seal,  six  years  ;  real  actions  and  judg- 
ments, twenty  years  ;  notes  secured  by  mortgages  and  contracts  under  seal, 
sixteen  years. 

Carried  Women. — The  real  and  personal  property  of  the  wife  at  marriage,  and  such  as 
she  acquires  thereafter  by  gift,  grant,  descent,  devise  or  bequest,  and  all  revenue 
therefrom,  are  her  separate  estate.  Since  January  1,  1875,  the  wife  has  a  right 
to  bind  herself  by  contract  in  the  same  manner  and  to  the  same  extent,  as  though 
she  was  unmarried,  and  her  sole  estate  is  responsible  for  said  contracts.  She  cannot 
become  an  accommodation  endorser,  guarantor  or  surety.  She  may  buy,  sell  and 
trade  in  her  own  name. 

Notarial  Fees.— Protest  $1  30  under  $100  ;  $1.50  over  $100. 

Notes  and  Bills  of  Exchange. — Inland  bills  of  exchange  are,  in  general,  subject  to 
the  laws  of  foreign  bills  ;  they  must  be  protested.  Sight  bills  or  drafts  have  no 
days  of  grace.  The  action  required  to  hold  indorser  is  the  same  as  under  the 
general  mercantile  law.  Paper  due  on  a  legal  holiday  is  payable  the  day  after,  and 
notice  of  non-payment  may  be  given  within  twenty-four  hours  after.  If  the  legal 
holiday  should  fall  upon  a  Sunday  or  Monday,  bills  are  payable  on  Tuesday,  and 
notice  may  be  given  on  Wednesday. 

Stay  of  Executions. — In  Justice  Courts,  stay  for  one  month  on  fifteen  dollars  and 
under  ,  fifteen  dollars  to  sixty  dollars,  three  months;  over  sixty  dollars,  eix  months. 

Transfer  of  Corporation  Stocks. — Transferable  on  the  books  of  the  company  in 
such  manner  as  the  by-laws  may  provide. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


NEW  MEXICO. 


County  Seat.  County. 

Albuquerque.  .Bernalillo. 

Aztec San  Juan. 

Clayton Union. 

Eddy Eddy. 

Hillsborougli  .Sierra. 

Las  Cruces Donna  Ana. 

Las  Vegas San  Miquel. 

Lincoln Lincoln. 

Los  L,  lima* Valencia. 

OTora Mora. 

PUERTO  DE  LUMA..Gaadalonpe. 

Roswell Chaves. 

Santa  Fe Santa  Fe. 

Silver  City Grant. 

Socorro Socorro. 

Springer Colfax. 

Taos Taoe. 

TIERRA  AMARILLA.RioArriba. 


Name  of  Atty. 
Johnston  &  Finical 
Childers  &  Dobson 
George  McCormick 
VV.  A.  Hawkins 
A.  B.  Elliott 
S.  B.  Newcomb 
A.  A.  Jones 
George  B.  Barber 
See  Albuquerque 
A.  L.  Branch 
See  Las  Vegas 
G.  A.  Richardson 
Thomas  B.  Catron 
T.  F.  Conway 
James  G.  Fitch 
G.  W.  Abbott 
Santiago  Valdez 
F.  P.  Chancy 


Name  of  Bank. 
First  Natl.  Bk. 
San  Juan  Co.  Bk. 
At  Raton,  First  Natl.  Bk. 
First  Natl.  Bk. 
Sierra  Co.  Bk. 
George  D.  Bowman  &  Son 
San  Miquel  Natl.  Bk. 
At  White  Oaks,  Exchange  Bk. 

See  Taos 

Bk.  of  Roswell 
First  Natl.  Bk. 
Silver  City  Natl.  Bk. 
New  Mexico  Natl.  Bk. 
Andrew  Morton  &  Co. 
Taos  Co.  Bk. 
See  Taos 


Cashier. 
A.  A.  Keene. 
RobertC.Prewett. 
C.  N.  Blackwell. 

C.  E.  Conway. 
Wm.  H.  Bucher. 
H.  D.  Bowman. 

D.  T.  Hoskins. 
Frank  J.  Sager. 


E.  A.  Gaboon. 
John  H.  Vaughn. 
J.  W.  Carter. 
E.  E.  Nold. 
A.  Morton. 
C.  Santistevan. 


DIGEST   OF    NEW   MEXICO   COMMERCIAL    LAWS. 

Assignment*. — An  insolvent  debtor  may  make  a  voluntary  assignment  for  the  benefit  of 
his  creditors.  No  preferences  allowed. 

Attachments. — Attachments  issue  when  the  debtor  is  not  a  resident  of  the  Territory  of 
New  Mexico;  when  the  debtor  has  concealed  himself  or  absconded  or  absented  him- 
self from  his  usual  place  of  abode  in  this  Territory,  so  that  the  ordinary  process  of 
law  cannot  be  passed  upon  him;  when  the  debtor  is  about  to  remove  his  property 
or  effects  out  of  this  Territory,  or  has  fraudulently  concealed  or  disposed  of  his 
property  or  effects;  when  the  debtor  is  about  to  fraudulently  convey  or  assign,  con- 
ceal or  dispose  of  his  property  and  effects;  when  the  debt  was  contracted  outside  of 
this  Territory,  and  the  debtor  has  absconded  or  secretly  removed  his  property  or 
effects  into  the  Territory ;  when  the  defendant  is  a  corporation  whose  principal 
office  or  place  of  business  is  out  of  the  Territory,  unless  such  corporation  shall  have 
a  designated  agent  in  the  Territory,  upon  whom  service  of  process  may  be  made  in 
suits  against  the  corporation. 

Bank  Law*. — Any  number  of  persons,  not  less  than  three,  may  be  chartered  as  a  bank. 
The  capital  shall  not  be  less  than  $30,000,  one-half  of  which  must  be  paid  in  before 
beginning  business,  and  the  remainder  within  one  year.  Statements  are  required  to 
be  sent  twice  a  year  to  the  Territorial  Treasurer,  showing  the  condition  of  the  bank, 
on  the  first  Monday  of  January  and  July,  and  these  statements  are  required  to  be 
published  for  three  consecutive  weeks  in  a  newspaper  of  the  county  where  the 
bank  is  located.  The  officers  and  stockholders  of  every  bank  are  individually  liable 
for  all  debts  contracted  during  the  time  that  they  were  such  officers  or  stockholders 
ratably  to  the  extent  of  their  respective  shares. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  99 

NEW  MEXICO— CONTINUED. 

Exemptions — Husband  and  wife,  widow  or  widower,  living  with  an  unmarried  daugh- 
ter, or  unmarried  minor  son,  may  hold  exempt  a  family  homestead  not  exceeding 
$1,000  in  value.  Any  resident  of  this  territory  who  is  the  head  of  a  family  and  not 
the  owner  of  a  homestead  may  hold  exempt  real  or  personal  property,  to  be  selected 
by  such  person,  not  exceeding  $500  in  value,  in  addition  to  the  amount  of  chattel 
property  otherwise  by  law  exempted. 

Interest. — Legal  rate  is  six  per  cent.  Parties  may  contract  in  writing  for  twelve  per  cent. 
Usury  is  punished  by  fine  and  forfeiture  of  double  amount  of  interest  paid. 

Legal  Holidays. — Sunday,  January  1,  July  4,  December  25,  and  all  days  for  fasting 
or  thanksgiving. 

Limitation  of  Actions. — Within  six  years:  upon  any  bond,  promissory  note,  bill  of 
exchange  or  other  contract  in  writing,  or  of  any  judgment  of  a  court  not  of  record. 
Within  four  years:  upon  accounts  and  unwritten  contracts,  injuries  to  property 
or  the  conversion  thereof,  and  for  relief  upon  the  ground  of  fraud,  and  all  other 
actions  not  otherwise  provided  for. 

Notarial  Fee§. — Protest,  $2.00,  and  twenty -five  cents  for  each  notice. 

Notes  and  Bills  of  Exchange. — In  absence  of  any  designated  place  of  payment  the 
common  law  prevails.  Three  days  of  grace  are  allowed  on  promissory  notes.  Any 
promissory  note,  due  and  payable  on  any  holiday,  shall  be  construed  to  fall  due 
and  become  payable  on  the  next  business  day  thereafter. 

Transfer  of  Corporation  Stocks. — Transferable  only  on  the  books  of  the  com- 
pany. 


100 


THE   LEGAL  AND  FINANCIAL  LIGHTS  OF  AMERICA. 


NEW  YORK, 


County  Seat.          County.  NameofAtty. 

Albany Albany.  Harris  &  Rudd 

Albion Orleans.  Thomas  A.  Kirby 

Auburn Cayuga.  Rich  &  Aikem 

Ba  list  on  Spa .  .Saratoga.  J.  W.  Verbeck 

Bat  a  via  Genesee.  Tarbox  &  Sherwood 

Bclmout Allegany.  V.  A.  Wiliard 

BINGHAMTON Broome.  George  Whitney 

Brooklyn Kings.  C.  &  T.  Perry 

Buffalo Erie.  Clinton  &  Clark 

Canandalga Ontario.  J.  H.  Metcalf 

Canton St.  Lawrence.John  C.  Keeler 

Carmel Putnam.  George  E.  Anderson 

Catsklll Greene.  Jennings  &  Chase 

Cooperstown..OtBego.  George  Brooks 

Corning Stcuben.  A.  S.  Kendall 

Cortland Cortland.  B.  A.  Benedict 

Delhi Delaware.  Wagner  &  Fisher 

ELIZABETHTOWN  .  .Essex.  Richard  L.  Hand 

Elmira Chemung.  Chas.  R.  Pratt 

Fonda Montgomery.  Daniel  Yost 

Geneseo Livingston.  Strong  &  Doty 

Goslien Orange.  Nanny  &  Mead 

Herklmer Herkimer.  Charles  Bell 

Hudson Columbia.  Isaac  N.  Collier 

Ithaca Tompkins.  S.  D.  Halliday 

Jamaica Queens.  Henry  A.  Montfort 

Johnstown.... Fulton.  A.  J.  Nellis 

Kingston Ulster.  Bernard  &  Van  Wagoner 

Lake  George... Warren.  E.  Hunt 

Lake  Pleasant  Hamilton.  Vacant 

Little  Valley... Cattaraugus.  E.  A.  Nash 

Lockport Niagara.  Ellsworth,  Potter  &  Stoors 

Lo  w  vtlle Lewis.  Merrill,  Ryel  &  Merrill 

Lyons Wayne.  D.  S.  Chamberlain 

Ittalone Franklin.  Cantwell  &  Cantwell 

May vllle Chautauqua.  W.  H.  Tennant 

lUoiit  Icello Sullivan.  T.  F.  Bush 

Moriisvllle..  ..Madison.  Smith  &  Smith 

New  City Kockland.  Irving  Bros,  at  Haverstraw. 

New  York New  York.  Hastings  &  Gleason 


Name  of  Bank. 
Natl.  Commercial  Bk. 


Orleans  Co.  Natl.  Bk. 
Cayuga  Co.  Natl.  Bk. 
Ballston  Spa  Natl.  Bk. 
Bk.  of  Batavia. 
State  Bk.  of  Belmont 
First  Natl.  Bk. 
Manufacturers  Natl.  Bk. 


Marine  Bk.  of  Buffalo. 


Canandaiga  Natl.  Bk. 
First  Natl.  Bk. 
Putnam  Co.  Natl.  Bk. 
Tanners  Natl.  Bk. 
Second  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
Delaware  Natl.  Bk. 
At  Port  Henry,  First  Natl.  Bk. 
Second  Natl.  Bk. 
Natl.  Mohawk  River  Bk. 
Genesee  Valley  Natl.  Bk. 
Natl.  Bk.  of  Orange  Co. 
First  Natl.  Bk. 
Natl.  Hudson  River  Bk. 
First  Natl.  Bk. 
Bk.  of  Jamaica. 
Peoples  Bk. 
Kingston  Natl.  Bk. 
At  Warrensburgh,  Emerson  &  Co, 
At  Dolgeville,  Potter  &  Marsden 
Crissey  &  Crissey 
.  Natl.  Exchange  Bk. 
First  Natl.  Bk. 
Lyons  Natl.  Bk. 
Peoples  Natl.  Bk. 
State  Bk.  of  Mayville 
Natl.  Union  Bk. 
First  Natl.  Bk. 
Peoples  Bk. 
First  National  Bk. 


Cashier. 
E.  A.  Groesbeck. 


J.  W.  Cornell. 
F.  G.  Jones. 
Thomas  Kerley. 
H.  T.  Miller. 
W.  J.  Richardson. 
John  Manier. 
T.  C.  Disbrow. 


J.  H.  Lascelles. 


H.  T.  Pannele. 
W.  N.  Beard. 
H.  Ryder. 
Wm.  Palmatier. 
George  M.  Jarvis. 

D.  S.  Drake. 

E.  Alley. 

W.  G.  Edgerton. 

F.  S.  Atwell. 
D.  M.  Pratt. 
J.  L.  Hess. 

T.  F.  Olmsted. 
C.  J.  Everett. 
A.W.Haslehurst. 
Wm.  Postwick. 
Henry  B.  Lord. 
Wm.  L.  Wood. 
Edward  Wells. 
C.  Hume. 
J.  A.  Emerson. 


Wm.  E.  McComb. 
Edward  H.  Bush. 
G.  T.  Kennedy. 
H.  T.  French. 
C.  R.  Cipperly. 
Edwin  H.  Strong. 
B.  Tompkins. 
H.  C.  Ver-Valen. 
E.  Scofleld. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA.  101 

NEW  YOEK— CONTINUED. 

County  Seat.         County.  NameofAtty.  Name  of  Bank.  Cashier. 


Norwich Chenango. 

Oswego Oswego. 

Owego Tioga. 

Peiin  Yan Yates. 

Plattsburgh  ...Clinton. 
Poughkeepsie.Dutchess. 

It  i  oh  in  oiul Richmond. 

Riverlicad Suffolk. 

Rochester Monroe. 

Salem Washington. 

Sclieiieotady. . .  Schenectady. 

Sclioharie Schoharie. 

Syracuse Onondaga. 

Troy Renssalaer. 

Utica  .   Oneida. 

Warsaw Wyoming. 

Waterloo Seneca 

Watertown Jefferson. 

Walking Schuyler. 

White  Plains.. Westchester. 


Albert  F.  Gladding 
S.  M.  Coon 
Clarke  &  Tuthlll 
Briggs  &  Kimball 
S.  L.  Wheeler 
Peter  Hulme 
N.  J.  Wreth 
Timothy  M.  Griffing 
Cogswell  &  Cogswell 
S.W.  Russell 
A.  P.  Strong 
Krum  &  Grant 
Wilson  &  Forbes 
Frank  W.  Thomas 
Chas.  G.  Irish 
M.  E.  &  E.  N.  Bartlett 
F.  L.  Manning 
A.  H.  Sawyer 
C.  N.  Woodward 
Wilson  Brown,  Jr. 


Chenango  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
Baldwin's  Bk. 
Merchants  Natl.  Bk. 


Geo.  T.  Dunham. 
J.  D.  W.  Case. 
W.  S.  Truman. 
F.  S.  Plaisted. 
J.  M.  Wever. 


Farmers  &  Manufacturers  Natl.Bk.G.  H.  Sherman. 
At  Stapleton,  Bk.  of  Staten  Island. Otto  Ahlmann. 


Suffolk  Co.  Natl.  Bk. 
Traders  Natl.  Bk. 
First  Natl.  Bk. 
Mohawk  Natl.  Bk. 
Schoharie  Co.  Bk. 
First  Natl.  Bk. 
Manufacturers  Natl.  Bk. 
First  Natl.  Bk. 
Wyoming  Co.  Natl.  Bk. 
First  Natl.  Bk. 
Jefferson  Co.  Natl.  Bk. 
Farmers  &  Merchants  Bk. 
Central  Bk. 


Henry  P.  Terry. 
C.  H.  Palmer. 
C.  A.  Beattie. 
J.  G.  L.  Ackerman 
R.  A.  Dewey. 
G.  B.  Leonard. 
S.  O.  Gleason. 
John  A.  Goodale . 
F.  J.  Humphrey. 
P.  M.  Kendig. 
S.  T.  Wolworth. 
Wm.  Roberts. 
H.  E.  Foster. 


DIGEST  OF  NEW  YORK  COMMERCIAL  LAWS. 

Assignments. — Voluntary  general  assignments,  for  the  benefit  of  creditors,  may  be  made- 
Preferences  are  allowed. 

Attachments. — An  attachment  will  be  granted  when  it  is  proven  that  the  defendant  is 
either  a  foreign  corporation  or  not  a  resident  of  the  State  ;  or  if  a  natural  person  and 
a  resident  of  the  State,  that  he  has  departed  therefrom  with  intent  to  defraud  his 
creditors,  or  to  avoid  the  service  of  a  summons,  or  keeps  himself  concealed  with 
like  intent  ;  or  if  the  defendant  is  a  natural  person  or  a  domestic  corporation,  that 
he  or  it  has  removed,  or  is  about  to  remove  property  from  the  State,  with  intent  to 
defraud  his  or  its  creditors  ;  or  has  assigned,  disposed  of,  or  secreted,  or  is  about  to 
assign,  dispose  of  or  secrete  his  property  with  like  intent. 

Bank  Law*. — Banks  may  be  chartered  under  general  laws  of  the  State.  In  places  of 
6,000  inhabitants  or  less  the  minimum  capital  must  be  $25,000  ;  in  places  of  30,000 
inhabitants  or  less  the  minimum  capital  must  be  $50,000 ;  and  in  places  with  up- 
wards of  30,000  inhabitants  the  minimum  capital  must  be  at  least  $100,000.  A 
deposit  is  required  to  be  made  with  banking  department  to  secure  the  bank's  circu- 
lating notes,  and  $1,000  must  also  be  so  deposited  as  a  guarantee  of  compliance  with 
the  banking  laws,  which  the  Superintendent  of  the  Banking  Department  is  author- 


102  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

i 

NEW  YOKE— CONTINUED. 

ized  to  apply  to  the  extent  required  in  payment  of  any  penalty  incurred  by  the 
bank  or  any  assessment  imposed  upon  it.  Stockholders  in  banks  of  issue  are  liable 
to  the  amount  of  their  respective  shares  for  its  debts.  Holders  of  the  bank's  notes 
in  case  of  insolvency  are  entitled  to  a  preference  over  all  other  creditors.  On  the 
first  day  of  February,  May,  August  and  November  reports  are  required  to  be  made 
to  the  Superintendent  of  the  Banking  Department,  which  report  is  required  to  be 
published  in  the  newspapers  of  the  place  where  the  bank  is  located.  The  Superin- 
tendent has  visitorial  powers,  and  is  required  to  make  an  annual  report  to  the 
Legislature  of  the  performance  of  his  duties. 

Exemptions. — A  lot  of  land  with  one  or  more  buildings  thereon,  not  exceeding  in  value 
$1,000,  owned  and  occupied  as  a  residence  by  a  householder  having  a  family,  when 
recorded  is  exempt. 

Interest. — Legal  rate  is  6  per  cent.  Penalty  for  usury  is  forfeiture  of  principal  and 
interest  except  a  State  bank  forfeits  double  the  amount  of  interest.  Usurious  inter- 
est may  be  recovered  if  action  is  brought  therefor  within  one  year.  Usury  is  also  a 
misdemeanor. 

Legal  Holidays. — Sunday,  January  1,  February  22,  May  30,  July  4,  First  Monday  of 
September  (Labor  Day),  December  25,  any  general  election  day.  Every  Saturday, 
from  12  o'clock  at  noon  until  12  o'clock  at  midnight,  which  is  designated  a  half 
holiday,  and  any  day  appointed  or  recommended  by  the  Governor  or  President  as  a 
day  of  thanksgiving  or  fasting  and  prayer,  or  other  religious  observance  shall,  for 
all  purposes  whatever  as  regards  the  presenting  for  payment  or  acceptance,  and  of 
the  protesting  and  giving  notice  of  the  dishonor  of  bills  of  exchange,  bank  checks 
and  promissory  notes  made  after  the  passage  of  this  act,  be  treated  and  considered 
as  the  first  day  of  the  week,  commonly  called  Sunday,  and  as  a  public  holiday  or 
half  holiday. 

Limitation  of  Actions. — Within  twenty  years,  actions  for  the  recovery  of  real 
property  or  judgment  of  a  court  of  record,  or  upon  a  sealed  instrument,  or  for 
dower.  Within  six  years,  an  action  upon  a  contract,  express  or  implied,  except  a 
judgment  or  sealed  instrument  ;  an  action  to  recover  upon  liability  created  by 
statute,  except  a  penalty  or  forfeiture  ;  an  action  to  procure  a  judgment  other  than 
for  a  sum  of  money  on  the  ground  of  fraud. 

married  Women. — In  an  action  or  special  proceeding,  a  married  woman  appears, 
prosecutes,  or  defends  a  loan  or  joined  with  other  parties,  as  if  she  was  single.  She 
may  carry  on  any  business  in  her  own  name,  aud  the  earnings  shall  be  her  separate 
property. 

Notarial  Fees. — Protest  75  cents  and  ten  cents  for  each  notice. 

Notes  and  Bills  of  Exchange. — Foreign  bills  of  exchange,  drafts,  checks,  and 
promissory  notes  payable  to  bearer,  the  maker  or  his  order,  or  the  order  of  any 
third  party,  are  negotiable.  Bills  of  exchange,  or  drafts  drawn  payable  at  sight  at 
any  place  within  the  State,  are  made  due  at  presentation,  without  grace.  Checks, 
bills  of  exchange,  or  drafts,  drawn  on  banks  or  bankers,  and  which  are  payable  on 
a  specified  day,  or  in  any  number  of  days  after  the  date  of  sight  thereof,  are  pay- 
able without  grace,  and  it  is  not  necessary  to  protest  the  same  for  non-acceptance. 
All  bills,  checks,  notes,  etc.,  falling  due  on  a  holiday  are  deemed  payable  the 
business  day  succeeding.  If  not  paid  when  due  they  may  be  protested,  and  the 
certificate  of  protest  is  prima  facie  evidence  of  presentation  and  non-payment.  To 
charge  indorser,  notice  of  non-payment  must  at  once  be  given  to  him. 


THE   LEGAL  AND   FINANCIAL  LIGHTS   OF  AMERICA.  103 

NEW  YORK— CONTINUED. 
Stay  of  Executions. — Xo  stay  except  by  order  of  court. 

Traii§fer  of  Corporation  Stocks. — An  assignment  in  writing  is  the  common  method 
of  transfer,  generally  coupled  with  a  blank  power  of  attorney,  signed  by  the 
owner  and  acknowledged,  which  on  presentation  to  the  corporation  it  is  transferred 
on  their  stock  books,  by  assignment. 


104 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


NORTH  CAROLINA. 


County  Seat.           County.           Name  of  Atty. 
Albemarle  Stanley.          Pemberton  &  Jerome 
Ashborough...  Randolph.      J.A.Blair 

Ashevllle  Buncombe.     S.  H.  Reed 

Name  of  Bank. 
See  Salisbury. 

At  High  Point, 
Commercial  Natl.  Bk. 

Natl.  Bk.  of  Ashville 

Cashier. 

W.  G.  Bradshaw. 
Wm.  J.  Cocke. 

Baker  svllle..  ..Mitchell.         J.  T.  Greene 
Bayboro  Pamlico.         W.  T.  Caho 

See  Lenoir 
At  Aurora,  J.  B.  Bonner 

Beaufort  Carteret.         C.  B.  Felton 

See  New  Berne 

Boone  Watauga.       W.  B.  Council! 

See  Lenoir 

Brevard  Transylvania.  W.  A.  Gash 

See  Hendersonville 

Bryson  City  .  .  .Swain.            Fry  &  Nenby 
Burgavv  Fender.           Bruce  William 

See  Waynesville 
See  Wilmington 

Burnsvllle  Yancey.          Wm.  Moore 
Camden  Camden.          G.G.Luke 

See  Morganton 
See  Elizabeth  City 

Carthage  Moore.            W.C.Douglass 

See  Rockingham 

Charlotte  Mecklenburg  Walker  &  Cansler 

Commercial  Natl.  Bk. 

D.  H.  Anderson. 

Clinton  Sampson.       J.L.Stewart 

See  Fayetteville 

Columbia  Tyrrell.          Mark  Majett 

See  Edenton 

Columbus  Folk.              See  Hendersonville 

Concord  Cabarrus.        Montgomery  &  Crowell 

Concord  Natl  Bk 

D.  B.  Coltrane. 

Currituek.  .  .  .    Currituck.       G.  G  Luke 

See  Elizabeth  City 

Dallas  Gaston.          R.  W.  Santifer 

At  Gastonia  First  Natl  Bk 

E.  S.  Pegram. 

Danbnry  Stokes.           W.W.King 

At  Reidsville,  Bk  of  Reidsville 

C.  N.  Evans. 

Dobson  Surry,             Folger  &  Folger 

At  Mt  Airy  First  Natl  Bk 

M.  L.  Fawcette. 

Durham  Durham.         Fuller  &  Fuller 

Fidelity  Bk 

John  F.  Wily. 

ISdenton  Chowon.         Pruden  &  Vann 

Bk  of  Edenton 

John  M.  Martin. 

Elizabeth  City  Pasquotank.  J.  H.  Sawer 
ELIZABETHTO  WN  .  .  Bladen.           R.  H.  Lyon 
Fayettevllle  .  .  .Cumberland.  C.  W.  Bradford 
Franklin  Macon.           Jones  &  Daniels 

First  Natl.  Bk. 
See  Wilmington 
Bk.  of  Fayetteville 
See  Waynesville 

Wm.  T.  Old. 
John  C.  Haigh. 

Gatesvllle  Gates.             L.  L.  Smith 

See  Elizabeth  City 

Goldsborough  Wayne.          W.  C.  Munroe 
Graham  Alamance.      E  S  Parker 

Bk.  of  Wayne 

W.  E.  Borden. 

Greensboro1  —  Guilford.        Lev!  M.  Scott 
Greenville  Pitt.               W.  H.  Long 
Halifax  Halifax.          J.  M.  Grizzard 

Natl.  Bk.  of  Greensborough 
Tyson  &  Rawls. 
At  Scotland  Neck, 

A.  H.  Alderman. 

Hayesvillc  Clay.               M.  R.  Kimsey 
Henderson  Vance.            A.  C.  Zollicoffer 
HENDERSONVILLE.  Henderson.     W.  A.  Smith 
Hertford  Perquimans.  J.  H.  Blount 

Scotland  Neck  Bk. 
See  Waynesville 
Citizens  Bk. 
State  Bk.  of  Commerce 
See  Elizabeth  City 

F.  B.  Shields. 

W.  A.  Hunt. 
J.  A.  Maddrey. 

Hlllsborough.  Orange.           John  W.  Graham 
Jackson  Northampton  Peebles  &  Harris 

See  Rocksborough 
At  Weldon,  Bk.  of  Weldon 

W.  R.  Smith. 

Jacksonville  ..Onslow.          R.  W.  Nixon 
Jefferson  Ashe.              E.  S.Blackburn 

See  New  Berne 
See  Winston 

Kenanavllle.  .  .Duplin.           A.  D.  Ward 
Klnston  Lenoir.           A.  J.  Loftin 

See  Wilmington 
S  H.  Loftin 

R  C  Strong 

Ijcnoir  Caldwell.        Edward  Jones 

Bk.  of  Lenoir 

G.  F.  Harper. 

Lexington  Davidson.       Robbins  &  Roper 
Lillington  Harnett.         Oscar  J.  Spears 

Bk.  of  Lexington 
See  Smithfield 

G.  W.  Montcastle. 

THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


105 


NORTH  CAROLINA— CONTINUED. 


County  Seat.         County. 
Lincolnton  Lincoln. 
iiouisburg  Franklin. 

Name  ofAtty. 
David  Robinson 
C.  M.  Cooke 

Name  of  Bank. 
See  Shelby 
Farmers  &  Merchants  Bk. 

Cashier. 
J.  S.  Barrow. 

Liii  mbcrtoii  Robeson. 
Manteo  Dare. 

E.  K.  Procter,  Jr. 
See  Edenton 

See  Fayetteville 

.Marion  McDowell. 

J.  L.  C.  Bird 

See  Asheville 

UI  arshall  Madison. 

J.  C.  Pritchard 

See  Asheville 

lUoeksville  Davie. 
Itlonroe  Union. 

T.  B.  Bailey 
Adams  &  Redwin 

See  Winston 
Peoples  Bk.  of  Monroe 

W.  H.  Fitzgerald. 

Morgan  toil  Burke. 
Murphy  Cherokee. 

S.  C.  W.  Tate 
Leatherwood  &  Belt 

Piedmont  Bk. 
See  Waynesville 

S.  T.  Pearson. 

Nashville  Nash. 

Taylor  &  Worthington 

See  Louisburg 

New  Her  ne  Craven. 
Newton  Catawba. 

0.  H.  Guion 
L.  L.  Witherspoon 

Nat).  Bk.  of  New  Berne 
Catawba  Co.  Bk. 

G.  H.  Roberts. 
W.  C.  Kenyon.     • 

Oxford  Granville. 

B.  S.  Royster 

Bk.  of  Granville 

J.  B.  Roller. 

PIttsboro'  Chatham. 

F.  B.  Wornock 

See  Greensborough 

Plymouth  Washington. 
Ral  elgh  Wake. 

Charles  Latham 
R.  H.  Battle 

See  Edenton 
Citizens  Natl.  Bk. 

H.  E.  Litchford. 

Robbluvllle  ...Graham. 
Rocklnghaiu  .  .Richmond. 
ROCKSBOROUGH...  Person. 
RUTHERFORDTON.  .Rutherford. 
Salisbury  Rowan. 
Shelby  Cleveland. 

W.  B.  Ferguson 
Cole  &  McNeil 
Merritt  &  Bryant 
J.  H.  Justice 
L.  H.  Clement 
Webb  &  Webb 

See  Waynesville 
Bk.  of  Pee  Dee 
Peoples  Bk. 
Carpenter  &  Morrow 
Davis  &  Wiley 
H.  D.  Lee  &  Co. 

W.  L.  Parsons. 
J.  S.  Bradsher. 
D.  F.  Morrow. 
O.  D.  Davis. 

Smith-field  Johnston. 
Snow  Hill  Greene. 
Southport  Brunswick. 
Sparta  Alleghany. 

Pou  &  Pou 
George  M.  Lindsey 
See  Wilmington 
H.  K.  Boyer 

W.  M.  Sanders 
See  Goldsborough 

At  Mount  Airy,  First  Natl.  Bk. 

M.  L.  Fawcette. 

Statesville  Iredell. 
Swan  Quarter.Hyde. 

Robbins  &  Long 
John  H.  Small 

First  Natl.  Bk. 
See  Washington 

George  H.  Brown 

Tarboro Edgecombe.    Henry  Johnston 

Taylorsvllle...  Alexander.      R.  Z.  Linney 

Trenton Jones.  P.  M.  Pearsall 

Troy Montgomery.  Douglas,  Shaw&  Scales 

WADESBOROUGH  ..Anson.  J.  A.  Lockhart 

Warrentoii  — Warren.          H.  A.  Boyd 
Washington.. .Beaufort.        W.  B.  Rodman 
Waynesville... Hay  wood.       Moody*  Leach 

Webster Jackson.         J.  J.  Hooker 

Went  worth... .Rockingham.  Reid  &  Reid 

Whltevllle Columbus.      Lewis  &  Burkhard 

Wllkesboro' . .. Wilkes.  Hackett  &  Hackett 

Wllllamston  . . Martin.  Wheeler  Martin 

Wilmington.  ..New  HanoverJunius  Davis 


Wilson Wilson. 

Windsor Bertie. 

Winston Forsyth. 

Wluton Hertford. 

Vadkinville.  ...Yadkin. 
If  ancey  vllle Caswell. 


H.  J.  Connor 
F.  D.  Winston 
Eugene  E.  Gray 
George  V.  Cooper 
R.  C.  Puryear 
A.  E.  Henderson 


Pamlico  Ins.  &  Bkg.  Co.  Job  Copp. 

See  Statesville 

See  New  Berne 

See  Concord 

First  Natl.  Bk.  J.  D.  Leak. 

Gardner  &  Jeffress  J.  M.  Gardner. 

Bk.  of  Washington  Thos.  J.  Latham. 

Bk.  of  Waynesville  T.  C.  Skinner. 

See  Waynesville 

At  Leaksville,  Bk.  of  Leaksville.     A.  E.  Millner. 

See  Wilmington 

See  Statesville 

See  Tarboro 

Atlantic  Natl.  Bk.  W.  J.  Toomer. 

Branch  &  Co.  J.  C.  Hales. 

Gillam  &  Lyon 

Wachovia  Natl.  Bk.  James  A.  Gray. 

At  Weldon,  Bk.  of  Weldon  W.  R.  Smith. 

See  Winston 

At  Milton,Merchants&  Planters  Bk.W.  W.  Lucke. 


106  THE   LEGAL  AND  FINANCIAL   LIGHTS   OF  AMERICA. 

NORTH   CAROLINA— CONTINUED. 
DIGEST  OF  NORTH  CAROLINA  COMMERCIAL  LAWS. 

Assignments. — Any  person  has  the  right  to  make  an  assignment  of  his  property  for  the 
benefit  of  his  creditors,  and  to  prefer  any  number  of  creditors  to  the  exclusion  of 
others. 

Attachments. — Attachment  may  be  granted  for  breach  of  contract,  express  or  implied  ; 
wrongful  conversion  of  personal  property ;  any  other  injury  to  real  or  personal  prop- 
erty, in  consequene  of  negligence,  fraud  or  wrongful  act.  That  the  defendant  is 
either  a  foreign  corporation,  a  non-resident  of  the  State,  or  if  he  is  a  natural  person 
and  a  resident  of  the  State,  that  he  has  departed  therefrom,  with  intent  to  defraud 
his  creditors,  or  to  avoid  service  of  summons,  or  keeps  himself  concealed  therein 
with  like  intent,  or  if  the  defendant  is  a  natural  person,  or  a  domestic  corporation, 
that  he  has  removed,  or  is  about  to  remove  property  from  the  State  with  intent 
to  defraud  his  or  its  creditors  ;  or  has  assigned,  disposed  or  secreted,  or  is  about  to 
assign,  dispose  of  or  secrete  property  with  a  like  intent. 

Bank  Law*. — Banking  corporations  can  be  organized  only  by  special  act  of  the  Legis- 
lature. The  personal  liability  of  stockholders  depends  upon  the  terms  of  the  char- 
ter. There  is  no  statute  regulating  the  transfer  of  bank  stock  or  providing  how  a 
stockholder  shall  put  an  end  to  his  liability.  All  joint-stock  companies  organized 
under  the  laws  of  the  State,  for  the  purpose  of  conducting  a  banking  business, 
whether  savings  or  general,  and  all  private  banks  and  bankers  that  solicit  or  receive 
deposits,  are  required  to  make  to  the  State  Treasurer  statements  of  their  financial 
condition  at  such  times  as  national  banks  are  required  to  make  statements  to  the 
Comptroller  of  the  Currency.  Statements  are  to  be  published  as  in  case  of  national 
banks,  and  shall  be  made  in  accordance  with  the  form  to  be  prescribed  by  the  State 
Treasurer  ;  one  copy  of  the  statement  is  to  be  filed  with  the  State  Treasurer  and 
another  in  the  office  of  the  bank,  banking  institution,  or  banker. 

Exemptions. — Every  resident  of  this  State  is  entitled  to  real  estate  of  the  value  of  $1,000 
and  personal  property  of  the  value  of  $500  as  a  homestead  and  personal  property 
exemption,  which  property  shall  be  exempt  from  sale  and  execution.  The  home- 
stead remains  exempt  from  sale  under  execution  to  the  widow  and  infant  children, 
until  the  youngest  child  becomes  21  years  of  age. 

Interest. — Legal  rate  is  6  per  cent.  Usury  works  a  forfeiture  of  the  entire  interest  and 
in  case  a  greater  rate  has  been  paid,  the  person  paying  the  same,  or  his  legal 
representative,  may  recover  back  in  an  action  of  debt,  twice  the  amount  of  the 
interest  so  paid. 

Legal  Holidays. — Sunday,  January  1,  January  10,  February  22,  May  10,  May  20,  July 
4,  December  25,  Thanksgiving,  General  Lee's  Birthday. 

Li  I  i  mat  ion  of  Actions. — Actions  upon  any  contract,  obligation  or  liability,  or  for 
trespass  upon  real  property,  or  for  taking,  detaining,  converting  or  injuring  any 
personal  property  shall  be  commenced  within  three  years. 

married  Women. — Own  and  control  their  estates  as  before  marriage,  but  cannot 
convey  without  their  husbands  join.  By  filing  certificate  with  written  consent  of 
husband,  a  married  woman  may  engage  in  any  business. 

Notarial  Fees. — Protest  $1.00  and  twenty-five  cents  for  each  notice. 

Xotes  and  Bills  of  Exchange. — All  bills  and  notes  bear  interest  from  maturity, 
unless  otherwise  stipulated.  An  indorser  of  a  note  is  deemed  a  surety,  and  no  de- 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  107 

< 

NORTH  CAROLINA— CONTINUED. 

mand  on  the  maker  is  necessary  before  commencing  suit  against  surety  or  endorser; 
but  this  does  not  apply  to  bills  of  exchange.  Grace  is  allowed  on  all  drafts  ex- 
cept those  payable  on  demand.  Where  a  bill  is  drawn  or  indorsed  in  this  State 
upon  any  person  or  corporation  in  any  other  of  the  United  States  or  any  of  the 
Territories,  and  is  protested  it,  shall  bear  damages,  viz.,  three  per  cent,  on  the  prin- 
cipal sum.  A  bill  or  note  may  be  protested  by  a  notary  public,  justice  of  the  peace 
or  clerk  of  a  court  of  record.  Bills  of  exchange  and  promissory  notes  are  negotiable ; 
and  all  notes  and  bonds  with  more  than  one  obligor  are  by  statute  joint  and  several. 
To  charge  indorser  of  bill  of  exchange,  notice  of  non-payment  must  be  given  him. 
Paper  falling  due  on  a  holiday  is  due  the  day  before. 

Stay  of  Executions. — On  giving  security  the  judgment  debtor  may  stay  executions  as 
follows  :  On  less  than  $25,  one  month  ;  $25  to  $50,  three  months  ;  $50  to  $100, 
four  months  ;  above  $100,  six  months  ;  but  such  judgment  draws  interest.  Supple- 
mentary proceedings  to  enforce  execution  allowed. 

Transfer  of  Corporation  Stocks. — No  provision  directing  how  stock  shall  be 
transferred. 


108 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


NORTH  DAKOTA. 


County  Seat.          County. 

Ashley Mclntosh. 

Bismark Burleigh. 

Bottlueau Bottineau. 

Caledonia Traill. 

Caiido Towner. 

Carrington Foster. 

Cooperstowii..Griggs. 
Devils  Lake  . .  .Ramsay. 

Dickinson Stark. 

Elleiidale Dickey. 

Fargo Cass. 

Fort  Buford. .  .Alfred. 

Grafton Walsh. 

Grand  Forks.. .Grand  Fork 
Grand  Raplds.Lamoure. 

Jamestown Stutsman. 

Lakota Nelson. 

Lang don Cavalier. 

Lisbon Ransom. 

Mandan Morton. 

Medicine  Pole.Bowman. 

Medora Billings. 

Mil  nor Sargent. 

MINNEWAUKON  ....Benson. 

Tliiiol Ward. 

Napoleon Logan. 

New  England 

Clty.Hettinger. 

NEW  ROCKFORD... Eddy. 

Oakdale Dunn. 

Pembiiia  Pembina. 

Rugby Pierce. 

St.  Johns Rolette. 

Saiiger Oliver. 

Sherbrooke. . .  .Steele. 

Stantou Mercer. 

Steele Kidder. 

Sykeston Wells. 

Towner McHenry. 

Valley  City Barnes. 

\Vahpeton Richland. 

Washbiirn McLean. 

Willlamsport.  .Emmons. 

Wllllston Williams. 

Organizing Boreman. 

"  McKenzie. 

"  Wallace. 


Name  of  Atty. 

Name  of  Bank. 

Cashier. 

See  Ellendale 

Wishek,  Liliy&Co. 

J.  F.  Philbrick 

Bismark  Bk. 

P.  E.  Byrne. 

A.  G.  Burr 

Bottineau  Co.  Bk. 

V.  B.  Noble. 

J.  S.  Anderson 

State  Bk.  of  Caledonia 

J.  P.  Clark. 

N.  C.  Meacham 

Towner  Co.  Bk. 

C.  J.  Lord. 

B.  Barton 

Carrington  State  Bk. 

P.  W.  Farnham. 

David  Bartlett  ' 

First  Bk.  of  Cooperstown 

M.  W.  Buck. 

M.  H.  Brennon 

First  Natl.  Bk. 

J.  A.  Stewart. 

R.  H.  Johnson 

First  Natl.  Bk. 

R.  H.  Johnson. 

A.  T.  Cole 

Citizens  State  Bk. 

B.  R.  Crabtree. 

Newman,  Spalding  &  PhelpsFirst  Natl.  Bk. 

S.  S.  Lyon. 

See  Dickinson 

Phelps  &  Phelps 

First  Natl.  Bk. 

J.  L.  Cashel. 

'.Burke  Corbet 

Second  Natl.  Bk. 

D.  S.  Doyon. 

G.  B.  Crum 

At  Edgeley,  State  Bk.  of  Edgeley 

J.  T.  Butler. 

E.  W.  Camp 

James  River  Natl.  Bk. 

R.  A.  Shattuck. 

F.  A.  Kellev 

Peoples  State  Bk. 

H.  G.  Merritt. 

W.  F.  Kessler 

Citizens  State  Bk. 

W.  A.  Laidlaw. 

P.  H.  Rourke 

First  Natl.  Bk. 

H.  K.  Adams. 

E.  C.  Rice 

First  Natl.  Bk. 

C.  L.  Timmerman 

Vacant 

See  Dickinson 

See  Dickinson 

E.  W.  Thorp 

Bk.  of  Sargent  Co. 

F.  W.  Vail. 

E.  S.  Rolfe 

Benson  Co.  State  Bk. 

O.  T.  Hegge. 

C.  E.  Gregory 

First  Natl.  Bk. 

S.  L.  Page. 

See  Steele 

See  Dickinson 

C.  J.  Maddux 

Bk.  of  New  Rockford. 

J.  H.  Hob.1. 

See  Dickinson 

W.  J.  Kneeshaw 

First  Natl.  Bk. 

George  W.  Ryan. 

See  Towner 

John  Burke 

See  Cando. 

See  Bismark 

At  Hope 

Steele  Co.  Bk. 

J.  D.  Brown. 

H.  C.  Loy 

See  Bismark 

J.  W.  Walker 

State  Bk.  of  Steele. 

A.  G.  Clark. 

See  Carrington 

L.  M.  Torson 

Towner  Merchants  Bk. 

John  Lohn. 

Winter  &  Winter 

First  Natl.  Bk. 

George  Eanouse. 

McCumber  &  Bogart 

Peoples  Bk. 

W.  D.  Henry. 

See  Bismark 

H.  A.  Armstrong 

See  Bismark 

See  Minot 

THE   LEGAL  AND  FINANCIAL   LIGHTS   OF  AMERICA.  109 

NOKTH  DAKOTA— CONTINUED. 

DIGEST  OF  NORTH  DAKOTA  COMMERCIAL  LAWS. 
Assignments. — An  assignment  may  be  made.     It  is  void  if  it  prefers  creditors. 

Attachments. — Attachment  may  issue  against  a  foreign  corporation;  or  against  a  defend- 
ant who  is  not  a  resident  of  this  State,  or  against  a  defendant  who  has  absconded 
or  concealed  himself  ;  or  whenever  the  defendant  is  about  to  remove  any  of  his  or 
its  property  from  the  State  ;  or  has  assigned,  disposed  of,  or  secreted,  or  is  about  to 
assign,  dispose  of  or  secrete  any  of  his  or  its  property,  with  intent  to  defraud  his 
creditors,  or  is  about  to  remove  from  the  county  where  he  resides,  with  the  inten- 
tion of  permanently  changing  his  place  of  residence,  upon  failing  or  neglecting  to 
give  security  for  the  debts  after  its  being  demanded. 

Bank  Laws. — Three  or  more  persons,  one  third  of  whom  shall  be  residents  of  the  State, 
may  form  a  banking  association,  who  shall  make  an  organization  certificate,  which 
must  be  acknowledged  and  recorded  in  the  office  of  the  Register  of  Deeds  in  the 
county  where  such  bank  may  be  established,  and  such  certificate  also  recorded  in 
the  office  of  the  Secretary  of  State.  It  is  made  a  misdemeanor  to  carry  on  a  bank 
without  forming  such  association.  The  capital  is  graded  according  to  the  popula- 
tion of  the  town  or  city.  At  least  four  reports  shall  be  made  each  year  to  the  public 
examiner  and  published,  and  the  examiner  is  empowered  to  call  for  special  reports 
at  any  time.  Penalty  of  $200  for  not  making  same. 

Exemptions. — A  homestead  not  exceeding  in  value  $5,000  to  be  selected  and  appraised 
as  provided  by  statute,  is  exempt  from  judgment  lien  and  execution  of  forced  sale. 

Limitation  of  Actions. — An  action  upon  a  judgment  or  decree  of  any  court  in  the 
United  States,  or  of  any  State  or  Territory  within  the  United  States,  and  upon  a 
sealed  instrument,  within  twenty  years.  Actions  upon  a  contract,  obligation  or 
liability,  express  or  implied  ;  actions  upon  a  liability  created  by  statute  other  than 
a  penalty  or  forfeiture  ;  for  trespass  on  real  property,  within  six  years  ;  an  action 
for  slander,  libel,  assault,  battery  or  false  imprisonment  ;  actions  upon  the  statute 
for  a  forfeiture  or  penalty  to  the  people  of  this  State,  within  two  years. 

Married  Women. — No  law. 

Notarial  Fees.— Protest  $1.50,  recording  50 cents,  seal  25  cents,  notices  25  cents. 

Notes  and  Bills  of  Exchange. — Bills  of  exchange,  promissory  notes,  bank  notes, 
checks,  bonds  and  certificates  of  deposits  are  negotiable  instruments.  When  no 
place  of  payment  is  specified,  they  are  payable  at  the  residence  or  place  of  business 
or  wherever  maker  may  be  found.  Bill  or  note  maturing  on  a  holiday  becomes  due 
on  next  business  day.  Three  days  of  grace  allowed  on  foreign  or  inland  bills  of 
exchange  or  drafts  payable  at  sight,  or  promissory  notes,  bills  of  exchange,  and 
drafts  on  the  face  of  which  time  is  given  or  specified,  and  on  notes  due  on  demand, 
after  demand  is  made. 

Transfer  of  Corporation  Stocks. — Are  transferred  by  endorsement  and  delivery  ; 
but  such  transfer  is  only  valid  between  the  parties  until  entered  on  the  books  of 
corporation. 


110 


THE   LEGAL   AND   FINANCIAL   LIGHTS  OF   AMERICA. 


OHIO. 

County  Seat.          County.  NameofAtty.  Name  of  Bank.  Cashier. 

Akron Summitt.  Kohler  &  Musser  First  Natl.  Bk.  F.  H.  Adams. 

Ashland Ashland.  F.  C.  Semple  First  Natl.  Bk.  Jos.  Patterson. 

Athens Athens.  Wood  &  Wood  Bk.  of  Athens  C.W.Harris. 

Batavla Clermont.  Hulick  &  Bishop  First  Natl.  Bk.  J.  F.  Dial. 

Bellefo  11  taiiie.. Logan.  West  &  West  Peoples  Natl.  Bk.  It.  B.  Keller. 

BOWLING  GREEN.. Wood.  Parker  &  Moore  First  Natl.  Bk.  D.  B.  Beers. 

Bryan, Williams.  T.Emery  Farmers  Natl.  Bk.  E.  Lattanner. 

Bucyrus Crawford.  F.  S.  Monnett  First  Natl.  Bk.  J.  C.  Gormly. 

<'atliz Harrison.  Milton  Taggart  Harrison  Natl.  Bk.  John  M.  Sharon. 

Caldvvell Noble.  D.  S.  Spriggs  Noble  Co.  Natl.  Bk.  G.W.Taylor. 

Cambridge Guernsey.  Jno.  S.  Black  Old  Natl.  Bk.  A.R.Murray. 

Canton Stark.  Miller  &  Pomerene  Farmers  Bk.  Fred.  M.  Fast. 

Carrolton Carroll.  McCoy  &  Eckley  J.  P.  Cummings  Bk.  Co.  T.  J.  Saltsman. 

Cellna Mercer.  Tonvelle  &  Kenney  Commercial  Bk.  J.  Milligan. 

Chardon Geauga.  J.  E.  Stephenson  First  Natl.  Bk.  S.  S.  Smith. 

Chlllicothe . . .  .Boss.  Albert  Douglas,  Jr.  First  Natl.  Bk.  E.  E.  McEee. 

Cincinnati Hamilton.  Stephens,  Lincoln  &  Smith  First  Natl.  Bk.  W.  S.  Kowe. 

Clrclevllle Pickavvay.  Smith  &  Morris  Second  Natl.  Bk.  E.  E.  Winship. 

Cleveland Cuyahoga.  Webster,  Angell  &  McKissonEuclid  Ave.  Natl.  Bk.  E.  G.  Tillotson. 

Columbus Franklin.  Frank  E.  Davis  Deshler  Natl.  Bk.  Charles  J.  Hardy. 

Coshocton Coshocton.  E.W.James  Commercial  Bkg.  Co.  H.  H.  Herbig. 

Dayton Montgomery.  Gunckel,  Rowe  &  Shuey        City  Natl.  Bk.  W.  B.  Gebhart. 

Defiance Defiance.  S.  T.  Sutphen  First  Natl.  Bk.  Elbert  E.  Carter. 

Delaware Delaware.  C.  H.  McElroy  Deposit  Bkg.  Co.  H.A.Welch. 

Eaton Preble.  Fisher  &  Vaughan  Preble  Co.  Natl.  Bk.  J.W.Acton. 

Elyria Lorain.  G.  D.  Holliday  Savings  Deposit  Bkg.  Co.  A.  L.  Garford. 

Findlay Hancock.  A.  &  F.  P.  Blackford  First  Natl.  Bk.  George  P.  Jones. 

Fremont Sandusky.  Carver  &  Carver  First  Natl.  Bk.  Anson  H.  Miller. 

Galllpolls Gallia.  S.  A.  Nash  First  Natl.  Bk.  W.  G.  Wheaton. 

Georgetown... Brown.  Rufus  L.  Fite  First  Natl.  Bk.  W.  S.  Whiteman. 

Greenville Darke.  Anderson  &  Bowman  Farmers  Natl.  Bk.  J.*M.  Ladsdowne. 

Hamilton Butler.  Belden  &  Fitton  First  Natl.  Bk.  S.  D.  Fitton. 

Hlllsborough  .Highland.  Steele  &  Hoogsett  First  Natl.  Bk.        •  John  Hulitt. 

Ironton Lawrence.  T.  N.  Ross  Citizens  Natl.  Bk.  (.'has.  Liutner. 

Jackson Jackson.  John  Harper  Iron  Bk.  J.  C.  Hurd. 

Jefferson Ashtabula.  A.  C.  White  First  Natl.  Bk.  D.S.Crosby. 

Kenton Hardin.  Crane  &  Johnson  First  Natl.  Bk.  H.  W.  Gramlich. 

Lancaster Fairfield.  George  E.  Hardin  Lancaster  Bk.  G.  W.  Beck. 

Lebanon Warren.  J.  A.  Runyan  Lebanon  Natl.  Bk.  J.  M.  Oglesby. 

Lima Allen.  Cable  &  Parmenter  First  Nati.  Bk.  C.  D.  Crites. 

Logan Hocking.  S.  H.  Bright  First  Bk.  of  Logan.  Chas.  E.  Bowen. 

London Madison.  S.  W.  Durflinger  Madison  Natl.  Bk.  Wyatt  Minshall. 

Me  Arthur Vinton.  James  W.  Darby  At  Wellston,  First  Natl.  Bk.  J.  H.  Sellers. 

McCONNELSVILLE  .Morgan.  Corner  &  Fonts  Citizens  Bk.  C.  L.  Alderman. 

IVansfield Richland.  H.  P.  Davis  Citizens  Natl.  Bk.  S.  A.  Jennings. 


THE   LEGAL  AND   FINANCIAL  LIGHTS   OF   AMERICA. 


Ill 


OHIO — CONTINUED. 


County  Seat.         County.  NameofAtty. 

Marietta Washington.  Nye  &  Follett 

Marlon Marion.  Geo.  D.  Copeland 

Marysville Union.  Porter  &  Porter 

Medina Medina.  J.  Andrew 

Millersburgu.. Holmes.  Maxwell  &  Sharp 

Mt.  Gilead Morrow.  L.  K.  Powell 

Mt.  Vernoii Knox,  C.  F.  Colville 

Napoleon Henry.  M.Donnelly 

Newark Licking.  Carl  Norpell 

NEW  LEXINGTON . .  .Perry.  L.  A.  Tussing 

New  Lisbon.. ..Columbiana.  R.  W.  Tayler 

New 

Philadelpliia.Tuscaravas.  Jno.  S.  Graham 

Norwalk Huron.  C.  L.  Kennan 

Ottawa Putnam.  Handy  &  Ogan 

PaliiBville Lake.  Harley  Barnes 

Paulding Paulding.  K.  E.  Shuster 

Poineroy Meigs.  Merrick  &  Lochary 

Port  Clinton . .  .Ottawa.  S.  P.  Alexander 

Portsinouth...Scioto.  Bannon  &  Bannon 

Kavenna Portage.  W.  J.  Beck  ley 

St.  Clairsvllle..Belmont.  A.  W.  Kennon 

.Saiidu.sk y Erie.  Phinney  &  Merrill 

Sidney Shelby.  S.  J.  Hatfield 

Springfield Clarke.  John  C.  Bassett,  Jr. 

Steubenville... Jefferson.  James  F.  Daton 

Tiffin Seneca.  J.  H.  Ridgely 

Toledo Lucas.  Swayne,  Swayne  &  Hayes 

Troy Miami.  H.  H.  Williams 

UPPER  SANDUSKY.Wyandot.  Jno.  D.  Sears 

Urbana Champaign.  Frank  Chance 

Van  Wert Van  Wert.  C.  V.  Hoke 

v  apakoneta.  ..Auglaize.  La>ton  &  Steuve 

Warren Trumbull.  Washington  Hyde 

WASHINGTON  C.  H..Fayette.  A.  R.  Creamer 

Wauseoii Fulton.  Files  &  Fuller 

Waverly Pike.          .  Chas.  M.  Caldwell 

'West  Union Adams.  Henry  Scott 

Wilmington... Clinton.  Mills  &  Clevenger 

Woodwlield  — Monroe.  J.  P.  Spriggs  &  Son 

Wooster Wayne.  Yocum  &  Taggart 

Xenia Greene.  F.  N.  Shaffer 

Ifoungstowii  ..Mahoning.  Thos.  W.  Sanderson 

Zanesville Muskingum.  Howard  E.  Buker 


Name  of  Bank. 
City  Natl.  Bk. 
Farmers  &  Mechanics  Bk. 
Bk.  of  Marysville. 
Old  Phoenix  Natl.  Bk. 
Commercial  Bk. 
Morrow  Co.  Natl.  Bk. 
First  Natl.  Bk. 
Meekison's  Bk. 
First  Natl.  Bk. 
Perry  Co.  Bk.  Co. 
At  Leetonia,  First  Natl.  Bk. 

Citizens  Natl.  Bk. 
Huron  Co.  Bkg.  Co. 
A.  V.  Rice  &  Co. 
Painsville  Natl.  Bk. 
Paulding  Deposit  Bk. 
Pomeroy  Natl.  Bk. 
German  American  Bk. 
Portsmouth  Natl.  Bk. 
Second  Natl.  Bk. 
First  Natl.  Bk. 
Third  Natl.  Exchange  Bk. 
Citizens  Bk. 
Lagonda  Natl.  Bk. 
Natl.  Exchange  Bk. 
Commercial  Bk. 
Second  Natl.  Bk. 
Troy  Natl.  Bk. 
First  Natl.  Bk. 
Citizens  Natl.  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
Second  Natl.  Bk. 
Commercial  Bk. 
Peoples  Bk. 
Hayes,  Jones  &  Co. 
Adams  Co.  Bk. 
Clinton  Co.  Natl.  Bk. 
Monroe  Bk. 
Wayne  Co.  Natl.  Bk. 
Xenia  Natl.  Bk. 
Second  Natl.  Bk. 
First  Natl.  Bk. 


Cashier. 

E.  M.  Booth. 
H.  B.  Hane. 

W.  C.  Fullington. 
B.  Hendrickson. 
B.  C.  Sill. 
Samuel  P.  Gage . 

F.  D.  Sturges. 
W.  H.  Brownell. 
F.  S.  Wright. 

S.  Chappelear. 
John  Leavitt. 

B.  P.  Scott. 

Oitt  Curtiss. 
N.  E.  Matthews. 

C.  H.  Frank. 

E.  P.  Copeland. 
John  McQuigg. 

B.  W.  Wilson. 

C.  B.  Taylor. 
W.  H.  Beebe. 
J.  R.  Mitchell. 

F.  P.  Zollinger. 
Wm.  A.  Graham. 

D.  P.  Jefferies. 
T.  A.  Hammoud. 
John  B.  Runyan. 
C.  F.  Adams. 
Noah  Yount. 
Charles  F.  Plumb. 
W.  W.  Wilson. 
John  Van  Liew. 
Chas.  F.  Herbst. 
C.  A.  Harrington. 
A.  S.  Ballard. 
Chas.  W.  Struble. 
W.  F.  Taylor. 

H.  W.  Dickinson . 
J.  W.  Denver,  Jr^ 
W.  C.  Mooney. 
C.  S.  Frost. 
A.  S.  Frazer. 
Henry  M.Garlick 

G.  H.  Stewart 


112  THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 

OHIO— CONTINUED. 
DIGEST  OF  OHIO  COMMERCIAL  LAWS, 

Assignments. — An  insolvent  debtor  may  make  an  assignment  in  trust  for  the  benefit  of 
creditors.  An  assignment  made  with  intent  to  prefer  one  or  more  creditors  inures 
to  the  benefit  of  all  creditors. 

Attachments;.— Attachment  may  be  had  when  the  defendant  is  a  non-resident  or  a 
foreign  corporation :  or  has  absconded  or  concealed  himself  ;  or  is  about  to 
remove,  convert,  or  assign,  or  has  concealed  his  property,  with  intent  to  defraui 
creditors  ;  or  where  the  debt  is  fraudulently  contracted. 

Bank  Laws. — No  law  can  be  passed  authorizing  the  establishment  of  banks  until  the 
same  be  submitted  to  the  people  at  a  general  election  and  approved  by  them,  and 
no  such  law  has  been  adopted  since  this  prohibition  has  been  inserted  in  the 
constitution  of  the  State.  The  Supreme  Court  has  held,  however,  that  building  and 
loan  associations,  organized  under  the  Act  of  1868,  and  savings  and  loan  associations, 
organized  under  the  Act  of  1873,  may  be  formed,  and  numbers  of  these  are  doing  a 
banking  business.  There  are  no  banks  of  issue  in  the  State.  All  banks  are 
required  to  make  a  report  to  the  State  Auditor  twice  a  year,  showing  the  condition 
of  their  affairs  on  the  first  Monday  of  April  and  October.  This  report  must  be 
published  in  the  newspaper.  No  visitorial  powers,  however,  are  granted  to  the 
State  Auditor. 

Exemption*. — Husband  and  wife  living  together,  widow  or  widower  living  with  an 
unmarried  daughter  or  unmarried  minor  son,  may  hold  exempt  from  sale  on  judg- 
ment or  order  a  family  homestead  not  exceeding  $1,000  value  ;  the  wife  may  make 
demand  if  the  husband  refuse,  but  neither  can  make  such  demand  if  the  other  has 
a  homestead.  Where  the  homestead  is  sold  for  the  payment  of  liens  thereon,  after 
payment  of  such  liens,  the  owner  may  claim  $500  out  of  the  balance  of  the  proceeds 
of  the  sale,  if  any,  in  lieu  of  a  homestead. 

Interest. — Legal  rate  is  6  per  cent,  but  parties  may  contract  in  writing  for  8  per  cent. 
If  a  contract  be  made  for  a  higher  rate  than  8  per  cent,  the  contract  as  to  interest  is 
void,  and  the  recovery  is  limited  to  the  principal  sum  and  6  per  cent. 

Legal  Holidays. — Sunday,  January  1,  February  22,  May  30,  July  4,  First  Monday  in 
September,  December  25  and  Thanksgiving. 

Limitation  of  Actions. — Upon  contracts  not  in  writing,  express  or  implied,  six  years  ; 
specialty  or  any  agreement  in  writing,  fifteen  years  ;  real  action,  twenty-one  years, 
an  action  may  be  taken  out  of  the  statute  by  part  payment,  acknowledgment,  or 
promise  in  writing. 

Married  Women. — Have  sole  control  of,  and  separate  property  in  all  real  and  personal 
property  acquired  before  or  after  marriage,  together  with  the  rents,  incomes  and 
profits  thereof.  Such  property  cannot  be  taken  for  the  debts  of  her  husband,  un- 
less he  has  reduced  the  personal  property  to  possession  with  her  assent.  They 
may  contract  in  their  own  name  for  labor  or  materials  in  repairing  or  improving 
their  real  estate,  and  may  lease  for  three  years.  If  a  husband  deserts  his  family  or 
from  any  cause  becomes  incapacitated  or  neglects  to  provide  for  them,  the  wife 
may  contract  for  and  collect  in  her  own  name  her  and  her  minor  children's  earn- 
ings, and  may  obtain  an  order  vesting  her  with  the  right  of  &femm#  sale  as  to  ac_ 
quiring  property.  A  wife  has  dower  in  all  her  husband's  real  estate  held  during 
coverture.  She  may  engage  in  business  as  owner  or  partner,  and  may  sue  and  be 
sued  alone  on  account  of  such  business,  and  her  property  is  liable  on  the  judgment 


THE   LEGAL  AND  FINANCIAL   LIGHTS   OP   AMERICA.  113 

OHIO — CONTINUED. 

rendered  against  her  in  such  suit.  Married  women  cannot  prosecute  or  defend  by 
next  friend,  but  her  husband  must  be  joined  with  her,  unless  action  contains  her 
separate  property  or  her  separate  business,  or  is  upon  her  written  obligation,  or 
brought  to  set  aside  a  deed  or  will,  or  between  her  and  her  husband.  When 
they  are  sued  together  she  may  defend,  for  her  own  right,  and  if  he  neglects  to 
defend  his  she  may  defend  for  him.  Mortgages  are  executed  in  like  manner 
with  deeds.  Those  presented  first  for  record  must  have  the  preference.  Are  not 
valid  against  innocent  subsequent  mortgage  or  purchase,  unless  recorded  ;  when 
paid,  must  be  cancelled  of  record. 

Notarial  Fees. — Protest  $1  and  costs. 

Notes  and  Bills  of  Exchange. — Bonds,  notes  and  bills  payable  at  a  day  certain  after 
date,  or  after  sight  when  made  payable  to  order  or  bearer  are  negotiable  by  indorse- 
ment thereon,  and  vest  the  title  thereof  in  indorsee.  They  need  not  be  payable  at 
a  bank,  or  any  particular  place,  to  be  negotiable.  Three  days  of  grace  are  allowed 
in  the  time  of  payment.  Bill  or  note  maturing  on  a  holiday  becomes  due  the  preced- 
ing day. 

§tay  of  Executions. — On  judgments  by  Justices  of  the  Peace  only. 

Transfer  of  Corporation  Stocks. — Endorsement  on  back  of  stock  effects  an  equit- 
able transfer  only. 


114 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


OKLAHOMA. 

County  Seat.  County.  NameofAtty.  Name  of  Bank.  Cashier. 

Alva M.  Ellis  &  Shelley  Alva  State  Bk.  W.  S.  Fallis. 

Arapahoe G.  See  E!  Reno 

Beaver Beaver.  See  Woodward 

Birds  Point L.  Dailey  &  Weston  at  Pond  Bk.  of  Pond  Creek  J.  W.  Berryman. 

Creek. 

Chandler Lincoln.        .L.E.Payne  Lincoln  Co.  Bk.  O.  B.  Kee. 

Cheyenne Roger  Mills.    See  El  Reno  Wachita  Valley  Bk.  J.  W.  McMurtry. 

Cloud  Clilef. . . .  Washita.         See  El  Reno 

El  Reno Canadian.       Blake  &  Blake  Stock  Exchange  Bk.  M.  Eichhoff. 

Enid O.  W.O.Cromwell  Bk.  of  Enid  W.  T.  Dugan. 

Fort  Still Kiowa  &         At  Marlow,  Ind.  Ter.  Bk.  of  Mar  low  H.  L.  Jarboe,  Jr. 

Comanche. 

Gutnrle Logan.  S.  L.  Overstreet  Capitol  Natl.  Bk.  G.  E.  Billingsley. 

lo  I  and Day.  See  Woodward 

K.aw  Agency  ..Kansas.  William  Rouse  at  New  Kirk.  Bk.  of  Santa  Fe  C.  A.  Eastman. 

Kingfisher Kingfisher.      D.K.Cunningham  Bk.  of  Kingfisher  J.  M.  Speice. 

Mangum Greer.  See  El  Reno  S.  C.  Van  Leer 

Norman Cleveland.       C.  L.  Botsford  Farmers  &  Merchants  Bk.  E.  F.  Taylor. 

OKLAHOMA  CITY.  ..Oklahoma.      Hayes  &  Jenkens  First  Natl.  Bk.  J.  P.  Boyle. 

Pawhuska Osages.  See  Pawnee 

Pawnee Q.  Hill,  Fitzpatrick  &  YcGuire.Bk.  of  Pawnee.  C.  E.Vandervoort 

Perry P.  C.  H.  Wynn  Bk  of  Perry  F.  W.  Farrar. 

PoncaClty K.  D.  J.  Donahoe  Bk.  of  Ponca  City  Barnes  &  Dalton. 

Stlllwater Payne.  J.  S.  Workman  Farmers  &  Merchants  Bk.  F.  J.  Wikoff. 

Taloga D.  See  Kingfisher 

Tecumseli PottawatomieW.  S.  Pendleton  Bk.  of  Tecumseh  John  W.  Lewis. 

Watonga Blaine.  See  Kingfisher 

Wilbur I.  See  El  Reno 

Woodward N.  Houston  &  Roy  Exchange  Bk.  John  M.  Pngb. 


DIGEST  OF  OKLAHOMA  COMMERCIAL  LAWS. 

Assignments. — Voluntary  assignments,  without  preference,  for  the  benefit  of  creditors 
may  be  made  by  debtors  of  all  their  property  (but  they  may  except  property 
exempted  by  law). 

Attachments. — Attachments  will  be  granted  when  the  defendant  or  one  of  several  de- 
fendants is  a  foreign  corporation  or  non-resident  of  this  Territory  (but  no  attachment 
shall  be  allowed  on  this  ground  for  any  claim  other  than  a  debt  or  demand  arising 
upon  contract,  judgment  or  decree)  ;  has  absconded  with  intent  to  defraud  his 
creditors ;  has  left  the  county  of  his  residence  to  avoid  the  service  of  summons  ;  so 
conceals  himself  that  summons  cannot  be  served  upon  him  ;  is  about  to  remove  his 
property,  or  a  part  thereof,  out  of  the  jurisdiction  of  the  court  with  the  intent  to 
defraud  his  creditors  ;  is  about  to  convert  his  property,  or  a  part  thereof  into  money 
for  the  purpose  of  placing  it  beyond  the  reach  of  his  creditors  ;  has  property  or 
rights  in  action  which  he  conceals  ;  has  assigned,  removed  or  disposed  of,  or  is  about 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA.  115 

OKLAHOMA— CONTINUED. 

to  dispose  of  his  property  or  part  thereof,  with  intent  to  defraud  his  creditors  ; 
fraudulently  contracted  the  debt  or  incurred  the  obligation  for  which  suit  is  about 
to  be  or  has  been  brought. 

Bank  Law*. — There  is  no  territorial  law  authorizing  the  formation  of  banking  corpora- 
tions, but  it  is  provided  that  if  any  officer  of  a  bank  or  private  banker  receive  or 
permit,  or  assent  to  the  reception  of  money,  deposits  or  things  of  value  in  such 
bank ;  or  if  such  officer  or  banker  create  or  assent  to  the  creation  of  any  indebted- 
ness by  a  bank  or  banker  after  he  shall  have  knowledge  of  its  or  his  insolvency, 
he  is  individually  liable  for  such  indebtedness  and  is  also  liable  to  be  prosecuted  for 
larceny. 

Exemptions. — Homestead  of  debtor,  not  exceeding  $2,000  in  value,  and  not  exceeding 
160  acres  of  land,  if  outside  of  incorporated  city  or  village,  or  two  contiguous  lots 
if  in  any  incorporated  city  or  village. 

Interest. — Legal  rate  7  per  cent,  where  no  rate  is  specified.     There  is  no  usury  law. 

Legal  Holidays.— Sunday,  January  1,  February  22,  July  4,  December  25,  May  30, 
every  day  on  which  an  election  is  held  throughout  the  Territory,  and  every  day 
appointed  by  the  President  of  the  United  States  or  by  the  Governor  of  the  Territory 
for  a  public  fast,  thanksgiving  or  holiday.  Whenever  a  legal  holiday  other  than 
Sunday  falls  upon  Sunday,  the  Monday  following  shall  be  observed  as  such  holi- 
day. Labor  Day. 

Notes  and  Bills  of  Exchange. — Bills  of  exchange,  promissory  notes,  banknotes,  checks, 
bonds,  and  certificates  of  deposit,  if  without  date,  are  payable  immediately,  and  if 
without  specified  place  of  payment  are  payable  where  maker  may  be  found.  Three 
days  of  grace  allowed  on  all  bills  of  exchange,  or  drafts  payable  at  sight.  Paper 
maturing  on  a  holiday  becomes  due  on  the  next  business  day.  Protest,  presentment 
and  notice  may  be  waived.  Waiver  of  protest  waives  presentment  and  notice. 
Reasonable  care  and  diligence  in  presentment  required.  Damages  for  accrued  in- 
terest, re-exchange,  expenses,  etc.,  are,  if  in  this  Territory,  two  per  cent.;  in  Neb- 
raska, Iowa,  Minnesota,  Wisconsin,  Illinois  and  Missouri,  two  per  cent.;  in  any 
other  State  or  Territory,  five  per  cent. ,  and  in  any  foreign  country,  ten  per  cent. 

Transfer  of  Corporation  Stocks. — Stocks  of  corporation  may  be  transferred  by  en- 
dorsement and  delivery  of  the  certificates  of  such  stock  by  the  owner  or  his  attorney 
or  legal  representative.  Such  transfer  is  not  valid  between  the  parties  hereto  until 
same  is  entered  upon  the  books  of  the  coporation  so  as  to  show  the  name  of  the 
parties  by  and  to  whom  transferred,  the  number  or  designation  of  the  shares  and 
the  date  of  transfer. 


us 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


OREGON. 


County  Seat.  County. 

Albany Linn. 

Arlington Gilliam. 

Astoria Clatsop. 

Baker  City Baker. 

Canyon  City. .  .Grant. 

Corvallls Benton. 

Dallas Polk. 

El  lens  b  ii  rgli . .  .Carry. 
Empire  City  . .  .Coos. 

Enterprise Wallowa. 

Eugene  City  . .  .Lane. 
Grant's  Pass... Josephine. 

If  am  ey Harney. 

Heppner Morrow. 

Millsborough.  Washington. 
Jacksonville  .  .Jackson. 

K  lam  a  th Klamath. 

Lake  View Lake. 

IttcITIliinvllle  ..Tarn  Hill. 

Oregon  City Clackamas. 

Pendleton Umatilla. 

Portland Multnomah. 

Prlnevllle Crook. 

Roseburgli  — Douglas. 

St.  Helen Columbia. 

Salem Marion. 

The  Dalles Wasco. 

Tillamook Tillainook. 

Toledo Lincoln. 

Union Union. 

Vale Malheur. 

Wasco Sherman. 


NameofAtty. 

Name  of  Bank. 

Whitney  &  Newport 

First  Natl.  Bk. 

A.  A.  Jayne 

Arlington  Natl.  Bk. 

Nolarrd  &  Thompson 

First  Natl.  Bk. 

Butcher  &  Johns 

First  Natl.  Bk. 

See  Baker  City 

John  Burnett 

First  Natl.  Bk. 

Butter  &  Townsend 

Dallas  City  Bk. 

J.  Huntley 

See  Grant's  Pass 

S.  H.  Hazard 

See  Roseburgh 

Ivanhoe  &  Sheahan 

Wallowa  Natl.  Bk. 

E.  0.  Potter 

First  Natl.  Bk. 

H.  L.  Benson 

First  Natl.  Bk. 

T.  Williams 

See  Baker  City 

Brown  &  Hamilton 

First  Natl.  Bk. 

T.  H.  Tongue 

First  Natl.  Bk. 

H.  K.  Hanna 

Peekman  &  Reames 

Cogswell  &  Halee 

See  Lake  View 

C.  A.  Cogswell 

Lake  View  Bk. 

Ramsey  &  Fenton 

First  Natl.Bk. 

L.  L.  Porter 

Commercial  Bk. 

C.  H.  Carter 

First  Natl.  Bk. 

Durham,  Platt  &  Platt 

First  Natl.  Bk. 

M.  E.  Brink 

First  Natl.  Bk. 

A.  M.  Crawford 

First  Natl.  Bk. 

F.  A.  Moore 

See  Portland 

George  C.  Bingham 

Capital  Natl.  Bk. 

Dufur  &  Menefee 

The  Dalles  Natl.  Bk. 

Claude  Thayer 

C.  &  E.  Thayer 

See  Corwallis 

Robert  Eakin 

First  Nat!.  Bk. 

H.  C.  Napton 

See  Baker  City 

Bright  &  Murchie 

Sherman  Co.  Bk. 

Cashier. 

E.  W.  Langdon. 
P.  T.  Hurlburt. 
S.  S.  Gordon. 
J.  T.  Donnelly. 

W.  T.  Feet. 
C.  J.  Coad. 


W.  R.  Holmes. 
S.  B.  Eakin. 
R.  A.  Booth. 

George  Conser. 
J.  D.  Merryman. 


A.  McCallen. 
WD.McDonald,Jr 
P.  E.  Donaldson. 
Sam.  P.  Sturgis. 
G.  E.  Withington. 
T.  M.  Baldwin. 
W.  T.  Wright. 

J.  H.  Albert. 
M.  A.  Moody. 


Will  Wright. 
V.  C.  Brock. 


DIGEST  OF  OREGON  COMMERCIAL  LAWS. 

Assignments — No  general  assignment  by  an  insolvent,  or  in  contemplation  of  insolvency 
for  the  benefit  of  creditors,  is  valid  unless  made  for  the  benefit  of  all  his  creditors 
in  proportion  to  the  amount  of  their  respective  claims. 

Attachments. — A  writ  of  attachment  shall  be  issued  when  the  defendant  is  indebted  to 
the  plaintiff  upon  a  contract,  express  or  implied,  for  the  direct  payment  of  money, 
and  that  the  payment  of  the  same  has  not  been  secured  by  any  mortgage,  lien  or 
pledge,  upon  any  real  or  personal  property  ;  and  that  the  sum  for  which  the  attach- 
ment is  asked  is  an  actual  bonafide  existing  debt  due  and  owing  from  the  defendant 
to  the  plaintiff,  and  that  the  attachment  is  not  sought  nor  the  action  prosecuted  to 
hinder,  delay  or  defraud  any  creditor  of  the  defendant. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  117 

OREGON— CONTINUED. 

Bank  Law*. — There  are  no  laws  regulating  banks  or  banking,  and  there  are  no  State 
banks. 

Exemptions. — Homestead  of  any  family  is  exempt  from  judicial  sale  for  the  satisfaction 
of  any  liability  hereafter  contracted,  or  by  judgment  hereafter  obtained  on  such 
debt,  to  the  extent  of  160  acres  when  not  located  in  town  or  city  (or  if  so  located  to 
the  extent  of  one  block),  and  to  the  extent  of  $1,500  in  value. 

Interest. — Legal  rate  is  8  per  cent.,  but  contracts  to  pay  not  to  exceed  10  per  cent.,  and  to 
pay  not  to  exceed  8  per  cent.,  and  taxes  may  be  enforced.  Usury  is  punishable  by 
forfeiture  of  both  principal  and  interest  to  the  common  school  fund. 

Legal  Holidays. — Sunday,  January  1,  February  22,  May  30,  July  4,  First  Monday  in 
September,  December  25,  public  fast,  Thanksgiving  and  every  general  election  day 
Whenever  any  legal  holiday  other  than  a  Sunday  falls  upon  Sunday,  the  Monday 
following  shall  be  and  be  observed  as  such  holiday,  First  Saturday  in  June. 

Limitation  of  Actions. — On  contracts  not  under  seal,  express  or  implied,  six  years; 
on  judgments  or  decrees  of  any  court  and  sealed  instruments,  ten  years;  recovery  of 
real  property,  ten  years. 

Harried  Women. — All  property  of  the  wife's  at  marriage  or  afterwards  acquired  by 
gift,  device  or  inheritance,  is  her  sole  property,  and  not  subject  to  the  debts  of  her 
husband.  She  may  buy,  sell  and  make  contracts,  and  her  separate  estate  is  liable 
for  the  same. 

Notarial  Fees.— Protest  $3. 

Notes  and  Bills  of  Exchange. — All  negotiable  instruments  are  commercial  paper. 
They  are  not  required  to  be  paid  at  any  particular  place  unless  a  place  of  payment 
is  specified  in  the  instrument.  No  days  of  grace  in  this  State.  Negotiable  instru- 
ments falling  due  on  a  holiday  become  due  on  the  next  business  day.  No  person  can 
be  charged  as  an  acceptor  of  a  bill  of  exchange  unless  the  acceptance  be  in  writing, 
signed  by  himself  or  his  lawful  agent.  Indorsers,  if  properly  charged  by  protest, 
are  liable  as  long  as  the  maker.  Damages  allowed  on  protested  bills  of  exchange  : 
domestic,  five  per  cent.,  foreign  10  per  cent. 

Stay  of  Executions. — Only  by  order  of  the  Courts. 

Transfer  of  Corporation  Stocks. — The  corporation,  in  case  of  a  sale,  is  required  to 
make  the  necessary  transfer  upon  the  books.  By-laws  generally  regulate  the 
manner  of  transfer. 


118 


THE    LEGAL  AND   FINANCIAL   LIGHTS   OF  AMERICA. 


PENNSYLVANIA. 

County  Seat.          County.           Name  of  Atty.                     Name  of  Bank.  Cashier. 

Alleiitown Lehigh.          Robert  E.  Wright  Allentown  Natl.  Bk.  C.  M.  W.  Keck. 

Beaver Beaver.           John  M.  Buchanan  First.  Natl.  Bk.  E.  J.  Allison. 

Bedford Bedford.          M.  A.  Points  First  Natl.  Bk.  E.  8.  Doty. 

K.  II.  Ion i e Centre.            Ovris,  Bower  &  Ovris  First  Natl.  Bk.  John  P.  Harris. 

Bloomsburgh. Columbia.       Grant  Herring  First  Natl.  Bk.  E.  B.  Tustin. 

Brookvllle Jefferson.        Means  &  Ciark  Jefferson  Co.  Natl.  Bk.  J.S.Carroll. 

Butler Butler.    -        Williams  &  Mitchell  Butler  Co.  Natl.  Bk.  C.  A.  Bailey. 

Carlisle Cumberland.  R.M.Henderson  Farmers  Bk.  Walter  Stuart. 

CHAMBERSBURG  .  .Franklin.        W.  U.  Brewer  Valley  Natl.  Bk.  John  K.  Orr. 

Clarion Clarion.           James  T.  Maffett  Second  Natl.  Bk.  J.  M.  Shannon. 

Clearfield Clearfleld.       Fielding  &  Betts  County  Natl.  Bk.  .  H.  B.  Powell. 

Coudersport. .  .Potter.             Mann  &  Osmond  First  Natl.  Bk.  N.  A.  Pinney. 

Danville Montour.         James  Scarlett  First  Natl.  Bk.  B.  R.  Gearhart. 

Doylestoii Bucks.            Henry  Lear  Doyleston  Natl.  Bk.  John  J.  Brock. 

Easton Northampton  Russell  C.  Stewart  Easton  Trust  Co.  John  Bacon. 

Ebensburgh . .  .Cambria.         Kittell  &  Little  Johnston,  Buck  &  Co. 

Emporium Cameron.        D.  W.  Green  First  Natl.  Bk.  M.  P.  Whiting. 

Erie Erie.               T.  A.  Lamb  Second  Natl.  Bk.  C.  F.  Allis. 

Franklin Venango.        McCalmont  &  Osborne  First  Natl.  Bk.  F.  W.  Officer. 

<*ettyburgli Adams.           Wm.  McSherry,  Jr.  First  Natl.  Bk.  F.M.Bushman. 

<ireensfourgh..We8trnorelandW.  C.  Griffith  First  Natl.  Bk.  Jos.  R.  Eisaman. 

Harrisburgh... Dauphin.        Wolfe  &  Bailey  Dauphin  Deposit  Bk.  W.  K.  Abricks. 

HOLLIDAYSBURGH. Blair.              August  S.  Landis  First  Natl.  Bk.  O.  W.  Gardner. 

lloncsdale Wayne.           P.  F.  Kimble  Honesdale  Natl.  Bk.  E.  F.  Torrey. 

Huntlii£ton....Hnntington.    W.  McKnight  Williamson       First  Natl.  Bk.  S.  R.  Shumaker. 

Indiana Indiana.          J.  N.  Banks  First  Natl.  Bk.  W.J.Mitchell. 

Kittanlng Armstrong.     M.  F.  Leason  Natl.  Bk.  of  Kittaning  Wm.  Pollock. 

Lancaster Lancaster.       John  E.  Snyder  Fulton  Natl.  Bk.  John  C.  Carper. 

La  Porte Sullivan.         E.M.Dunham  La  Porte  Bk.  J.A.Jordan. 

Lebanon Lebanon.         Grant  Weidman  First  Natl.  Bk.  John  H.  Hoffer. 

Lewisburgh... Union.            D.  B.  Miller  Union  Natl.  Bk.  John  K.  Kremer. 

Lewlstoii Mifflin.            Elber  &  Son  Mifflin  Co.  Natl.  Bk.  David  E.  Robeson 

Lock  Haven... Clinton.          Jesse  Merill  First  Natl.  Bk.  Moore  Fredericks 

McCONNELLSBURG. Fulton.           J.  Nelson  Sipes  Fulton  Co.  Bk.  David  B.  Nace. 

MauchChunk.Carbon.           Loose  &  Craig  First  Natl.  Bk.  Edgar  Twining. 

Meadvllle Crawford.       George  F.  Davenport  New  First  Natl.  Bk.  Wm.  Thomas. 

Media Delaware.       George  E.  Darlington  First  Natl.  Bk.  J.  W.  Hawley. 

Mercer Mercer.  Q.A.Gordon  Farmers  &  Mechanics  Natl.  Bk.       John  I.  Gordon. 

OTlddleburg.   ..Snydor.           T.  J.  Smith  First  Natl.  Bk.  J.N.Thomp- 
son, Jr. 

I»Ilfflliitown....Juniaia.          George  J.  Parker  First  Natl.  Bk.  EzraC.  Doty. 

Mllford Pike.               H.  I.  Baker  At  East  Stroudsburg.  East  L.  H.  Nicholas. 

Stroudsburg  Natl.  Bk. 

Moiitrose Susquehanna  M.  S.  Allen  First  Natl.  Bk.  Emos  Nichols. 

NEW  BLOOMFIELD. Perry.  J.  C.  McAllister  At  Duncannon,  Duncannon  Natl.  Bk.P.  F.  Duncan. 

New  Castle Lawrence.       W.  H.  Falls  Natl.  Bk.  of  Lawrence  Co.  R.  Crawford. 

Norrlstown — Montgomery.  Chas.  H.  Stinson  First  Natl.  Bk.  George  Shannon. 

Philadelphia.. Philadelphia.  Page,  Allison  &  Penrose       First  Natl.  Bk.  M.  McMichael.Jr. 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA.  119 

PENNSYLVANIA— CONTINUED. 

County  Seat.          County.  NameofAtty.  Name  of  Bank.  Cashier. 


1'ii  t  otMirgh  . . .  .Allegheny.       Knox  &  Reed 


Farmers  Deposit  Natl.  Bk. 


J.  W.  Fleming. 


Pottsvllle Schuylkill.      John  W.  Ryon  Safe  Deposit  Bk.  Chas.  H.  Hazzard 

Reading Berks.  Chas.  H.  Schaeffer  Natl.  Union  Bk.  Edwin  Boone. 

Rldgway Elk.  Ch.  McCauley  Elk  Co.  Bk.  M.S.Kline. 

Sera  M  to  ii Lackawanna.  Taylor  &  Lewis  First  Natl.  Bk.  Isaac  Post. 

Smethport McKeen.         R.  H.  Rose  Henry  Hamlin  S.  C.  Townaend. 

Somerset Somerset.       John  H.  Uhl  Somerset  Co.  Natl.  Bk.  Milton  J.  Piitts. 

Slroudsburgh. Monroe.          Stephen  Holmes  Stroudsburgh  Natl.  Bk.  John  S.  Fisher. 

Mi ii bury Northnmber-  S.  J.  Packer  First  Natl.  Bk.  G.  W.  Deppen. 

land. 

Tlonesta Forest.  Samuel  B.  Irwin  May,  Park  &  Co.  A.  B.  Kelly. 

Ton  aiida Bradford.        R.  A.  Mercur  First  Natl.  Bk.  N.  N.  Betts. 

TUNKHANNOCK  . . .  .Wyoming.      James  W.  Piatt  Wyoming  Natl.  Bk.  John  B.  Fassett. 

Uniontown....Fayette.          Samuel  E.  Ewing  First  Natl.  Bk.  E.  S.  Hackney. 

Warren Warren.          James  0.  Parmelee  Warren  Natl.  Bk.  F.  E.  Hertzel. 

Washington... Washington.  T.  Jeff.  Duncan  First  Natl.  Bk.  C.  S.  Ritchie. 

AVaj  iiesburgh. Greene.  Barb  &  Downey  Citizens  Natl.  Bk.  J.  C.  Garard. 

WELLSBOROUGH...Tioga.  Elliott  &  Watrous  First  Natl.  Bk.  Henry  C.Cox. 

"West  Chester.. .Chester.          R.  S.  Waddell  Natl.  Bk.  of  Chester  Co.  I.  Gary  Carver. 

Wilkes-Barre.Luzerne.          L.H.Bennett  Second  Natl.  Bk.  E.  W.  Mulligan. 

Williamsport.Lycomiug.      W.  W.  Hart  First  Natl.  Bk.  W.  H.  Sloan. 

York York.  Edward  Chapin  City  Bk.  R.  H.  Shindel. 

PRINCIPAL  CITIES,  NOT  COUNTY  SEATS. 

Allegheny Allegheny.      James  W.  Collins  Second  Natl.  Bk.  A.S.Cameron. 

Chester Delaware.       George  B.  Lindsay  Delaware  Co.  Natl.  Bk.  B.  T.  Hall. 


DIGEST  OF  PENNSYLVANIA  COMMERCIAL  LAWS. 

Assignments. — Assignments  may  be  made  for  the  benefit  of  all  creditors,  but  there  is  no 
provision  for  the  discharge  of  the  debtor.  Debtor  cannot  prefer  any  creditor  by  his 
deed  except  for  wages  of  labor. 

Attachments. — Attachments  maj  issue  when  debtor  is  about  to  remove  his  property  or 
conceal  it  with  intent  to  defraud  his  creditors,  or  has  fraudulently  contracted  the 
debt. 

Bank  JLaws. — Any  person  or  association  of  persons,  not  less  than  five,  may  establish 
bank  of  discount,  deposit,  and  circulation  with  a  capital  of  not  less  than  $50,000 nor 
more  than  $1,900,000.  Whenever  any  association  desires  to  establish  a  bank,  or  in- 
crease the  capital,  a  certificate  to  that  effect  must  be  made  for  at  least  six  months  in 
at  least  three  newspapers,  one  published  at  the  seat  of  government  and  the  other 


120  THE    LEGAL  AND   FINANCIAL   LIGHTS   OF  AMERICA. 

PENNSYLVANIA— CONTINUED. 

two  in  the  city  or  county  where  such  a  bank  is  located.  When  a  copy  of  this  certi- 
ficate containing  the  name,  place  of  business,  amount  of  capital  stock,  with  the 
number  of  shares  into  which  the  same  shall  be  divided  is  certified  by  the  Attorney- 
General,  it  is  recorded  after  the  manner  of  deeds,  and  the  Governor,  upon  a  certified 
copy  of  such  certificate  being  produced  before  him,  causes  letters  patent  to  be 
issued.  Every  person  or  corporation  to  whom  letters  patent  may  be  granted,  is 
authorized  to  carry  on  business  for  twenty  years  from  the  date  of  patent.  The 
Auditor  General  is  required  to  report  annually  to  the  Legislature,  within  three  days 
of  the  commencement  of  the  session,  a  summary  of  the  condition  of  every  incor- 
porated bank,  with  an  abstract  of  the  amount  of  banking  capital  returned  by  them. 
The  capital  stock  of  each  bank  is  divided  into  shares  of  $50  each.  It  is  the  duty  of 
every  cashier  to  publish  in  the  newspapers  a  statement  giving  the  amount  of  assets 
and  liabilities,  circulation,  deposits,  gold  and  silver,  with  all  evidences  of  debt,  with 
the  personal  and  real  property  of  ths  bank;  and  semi-annual  reports  are  required. 
The  Auditor  General  is  to  require  quarterly  statements  from  cashiers  of  the  condi- 
tion of  banks,  and  one  of  the  statements  shall  be  made  in  November.  Stockholders 
are  individually  liable  for  the  notes  issued  by  the  bank. 

Exemptions. — There  is  no  homestead  law.  Property,  real  or  personal,  to  the  value  of 
$300,  besides  wearing  apparel,  is  exempt. 

Interest. — Legal  interest  6  per  cent.  Illegal  interest  does  not  forfeit  the  debt,  but  no 
more  than  6  per  cent,  can  be  recovered.  Illegal  interest  can  be  recovered  back  if 
sued  for  in  six  months. 

Legal  Holidays. — Sunday,  January  1,  February  22,  Good  Friday,  May  20,  July  4, 
First  Saturday  of  September,  December  25,  Saturday  half-holiday,  the  first  Tues- 
day after  the  first  Monday  in  November  (Election  Day).  When  January  1,  Feb- 
ruary 22,  July  4,  or  December  25,  shall  occur  on  Sunday,  the  following  Monday 
shall  be  a  holiday. 

Limitation  of  Actions. — Book  accounts,  debts,  notes,  and  contracts,  not  under  seal, 
expire  by  limitation  in  six  years  ;  contracts  under  seal  in  twenty-one  years. 

married  Women. — A  married  woman  shall  have  the  same  right  to  acquire,  hold,  pos- 
sess, improve,  control,  use  or  dispose  of  her  property,  real  and  personal,  in  posses- 
sion or  expectancy  in  the  same  manner  as  if  she  were  fc.mme  sole;  provided, 
however,  that  a  married  woman  shall  have  no  power  to  mortgage  or  convey  her 
real  estate  unless  her  husband  join  in  such  mortgage  or  conveyance.  She  shall  be 
capable  of  entering  into  and  rendering  herself  liable  upon  any  contract  relating  to 
any  trade  or  business  in  which  she  may  engage,  or  for  necessaries,  and  for  the  use, 
enjoyment  and  improvement  of  her  separate  estate,  and  of  suing  and  being  sued, 
either  upon  such  contracts,  or  for  torts  done  to  or  committed  by  her,  hi  all  respects 
as  if  she  were  a  femme  sole.  A  married  woman  may  make,  execute,  and  deliver 
leases  of  her  property,  real  and  personal,  and  assignments,  transfers  and  sales  of 
her  separate  personal  property,  and  notes,  bills,  drafts,  bonds  or  obligations  of  any 
kind,  and  appoint  attorneys  to  act  for  her,  and  it  shall  not  be  necessary  for  her  hus- 
band to  be  made  a  party  thereto  or  joined  therein.  A  married  woman  may  dispose 
of  her  property,  real  or  personal,  by  last  will  and  testament,  in  writing,  signed  by 
her,  or  manifested  by  her  mark  or  cross  made  by  her  at  the  end  thereof  in  the  same 
manner  as  if  she  were  unmarried,  and  hereafter  a  will  executed  by  a  woman  before 
marriage  shall  not  be  deemed  to  be  revoked  by  her  subsequent  marriage.  Approved 
July  4,  1887. 


THE   LEGAL  AND   FINANCtAL   LIGHTS   OF   AMERICA.  121 

PENNSYLVANIA— CONTINUED. 

Notarial  Fee§.— Protest  $2.00. 

Notes  and  Bills  of  Exchange. — Bills  of  exchange,  checks,  promissory  notes  and 
orders  drawn  or  endorsed  to  order  or  bearer  are  negotiable.  Those  drawn  at  sight 
or  payable  on  demand  are  without  grace,  and  are  due  and  payable  on  presentation 
thereof,  but  those  not  so  drawn  are  allowed  three  days  of  grace.  A  clause  in  the 
bill  of  exchange,  draft,  note,  etc.,  providing  for  the  payment  of  attorney's 
commissions,  costs,  etc.,  destroys  its  negotiability.  All  bills  of  exchange,  drafts, 
checks,  promissory  notes,  etc.,  otherwise  presentable  for  acceptance  or  payment  on 
any  holiday  are  presentable  for  acceptance  or  payment  on  the  secular  business  day 
next  succeeding. 

Stay  of  Execution*. — On  contracts  under  $200,  six  months ;  over  $200  and  under  $500, 
nine  months  ;  over  $500,  one  year.  In  Justices'  Courts,  $20  and  under,  three 
months  ;  $20  to  $60,  six  months  ;  over  $60,  nine  months. 

Transfer  of  Corporation  Stocks. — The  manner  of  transferring  stock  is  regulated 
by  the  by-laws  of  each  corporation.  The  certificate  of  stock  and  transfer  books,  or 
either,  of  any  corporation  shall  be  prima  facie  evidence  of  the  right  of  the  person 
named  therein  to  vote  thereon  as  the  owner  either  personally  or  by  proxy. 


122  THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 


RHODE  ISLAND. 

County  Seat.          County.  Name  of  Atty.  Name  of  Bank.  Cashier. 

Bristol Bristol.  0.  L.  Bosworth  First  Natl.  Bk.  H.  W.  Church. 

EAST  GREENWICH. Kent.  Chas.  A.  Ames  Greenwich  Natl.  Bk.  8.  M.  Knowles. 

Kingston Washington.  F.  C.  Olney  Natl.  Landholders  Bk.  M.  F.  Perry. 

Newport Newport.         F.  B.  Peckham  Newport  Natl.  Bk.  Henry  C.  Stevens. 

Providence Providence.    John  T.  Blodgett  Manufacturers  Natl.  Bk.  Francis  E.  Bates. 


DIGEST    OF    RHODE    ISLAND    COMMERCIAL    LAWS. 

Assignments. — Assignments  for  equal  benefit  of  all  creditors  can  be  made.  All  prefer- 
ences are  void. 

Attachments. — An  original  writ,  or  writ  of  mesne  process,  to  attach  the  real  as  well  as 
the  personal  estate  of  a  defendant  may  be  issued  whenever  the  plaintiff,  his  agent 
or  attorney,  shall  make  affidavit  that  the  plaintiff  has  a  just  claim  against  the 
defendant  that  is  due,  and  upon  which  he  expects  to  recover  in  the  action  a  sum 
sufficient  to  give  jurisdiction  thereof  to  the  court  to  which  said  writ  is  made 
returnable.  Attachments  cannot  issue  upon  a  debt  not  matured. 

Bank  Laws. — Banks,  like  all  business  corporations  under  the  constitution  of  Rhode 
Island,  are  chartered  by  special  act  presented  to  one  Legislature,  and,  after  public 
notice,  granted  by  a  succeeding  Legislature.  In  most  charters  now  in  force  is  a 
provision  making  stockholders  liable  for  all  debts  of  the  bank.  The  Legislature,  or 
the  Governor  when  the  Legislature  is  not  in  session,  may  at  any  time  appoint  a 
special  commission  to  examine  one  or  more  banks ;  and  if  three  or  more  officers, 
stockholders  or  creditors  of  any  bank  make  a  written  complaint,  the  Governor 
shall  appoint  such  a  commission.  Banks  are  not  required  to  make  public 
statements  of  their  condition,  but  must  report  to  the  State  Auditor  on  a  day 
between  November  15th  and  December  15th  in  each  year,  the  day  to  be  subse- 
quently designated  by  him. 

Exemptions. — No  homestead  law.  Necessary  wearing  apparel  of  debtor  and  his  family; 
necessary  working  tools,  not  exceeding  $200,  and  household  furniture  and  family 
stores,  not  exceeding  $300,  are  exempt  from  attachment  and  execution  where  the 
debtor  is  a  householder. 

Interest. — Legal  rate  is  6  per  cent.,  but  any  rate  agreed  upon  between  the  parties  may  be 
taken.  There  is  no  usury  law. 

Legal  Holidays. — Sunday,  July  4,  Christmas  and  February  22  (if  they  fall  on  Sunday 
then  the  day  following),  May  30  (or  if  it  falls  on  Sunday  then  the  day  preceding  it), 
also  election  days,  viz.,  the  first  Wednesday  in  April  of  each  year,  and  Tuesday 
next  after  the  first  Monday  in  November,  1890,  and  every  second  year  thereafter ; 
Arbor  Day,  Labor  Day  (first  Monday  in  September)  and  Thanksgiving  Day.  Bank 
holiday  every  Saturday  after  12  M. 

Limitation  of  Actions.— -  Accounts,  six  years;  simple  promissory  notes,  six  years; 
sealed  instruments  and  judgments,  twenty  years.  An  oral  promise  and  partial  pay- 
ment revive  the  debt. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  123 

KHODE   ISLAND— CONTINUED. 

Harried  Women. — All  property  acquired  before  or  after  marriage  is  so  far  secured  to 
the  wife,  that  it  cannot  be  taken  for  the  husband's  debts.  She  cannot  transact  busi- 
ness as  a  trader.  The  separate  estate  of  the  wife  is  not  liable  for  family  expenses. 

Notarial  Fees. — Protest  $1.50,  each  additional  indorsement  twenty-five  cents. 

Notes  and  Bills  of  Exchange. — All  paper  in  which  there  is  not  a  provision  to  the 
contrary  is  entitled  to  three  days'  grace.  Indorsers  of  commercial  paper  arc  hoi- 
den  on  notice  from  notary  publie  in  accordance  with  the  usages  of  commercial  law. 
Paper  maturing  on  a  holiday  becomes  payable  on  next  business  day.  Damages  on 
protested  bills  of  exchange:  domestic  5  per  cent;  foreign,  10  per  cent. 

Stay  of  Executions.— Only  by  order  of  the  Court. 

Transfer  of  Corporation  Stoeks. — As  the  by-laws  of  the  corporation  may  prescribe. 


124 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


SOUTH  CAROLINA. 


County  Seat.          County. 
Abbeville  Abbeville. 

Name  of  Atty. 
Parker  &  McGowan 
Henderson  Bros. 
John  K.  Hood 
Bates  &  Simms 
Wm.  Elliott 
L.Dudley  &  Caston 
Wm.  M.  Shannon 
Joseph  W.  Barnwell 
A.  G.  Brice 
R.  T.  Caston 
F.  H.  Weston 
Johnson  &  Quattlebaum 
Boyd  &  Brown 
A.  S.  Tompkins 
W.  A.  Brunson 
W.  Hazard 
Mooney  &  Earle 
W.  S.  Tillinghast 
gT.  M.  Gilland 
Jones  &  Williams 
N.  B.  Dial 
C.  M.  Efird 
Joseph  F.  Rhame 
C.  A.  Woods 
H.  R.  Jenkins 
J.  F.  J.  Caldwell 
B.  H.  Moss 
J.  E.  Boggs 
hGeorge  W.  Nichols 
Lee  &  Moise 
Munro  &  Munro 
Verner  &  Gibson 
Howell.  Murphy  &  Farrow 
A.  S.  Douglass 
C.  E.  Spencer 

Name  of  Sank. 
Natl.  Bk.  of  Abbeville 
Bk.  of  Aiken 
Farmers  &  Merchants  Bk. 
Bk.  of  Barnwell 
Bk.  of  Beauford 
Bk.  of  Marlborough 
Bk.  of  Camden 
Peoples  Natl.  Bk. 
Exchange  Bk. 
At  Cheraw,  Bk.  of  Cheraw 
Carolina  Natl.  Bk. 
Bk.  of  Conway 
Peoples  Bk. 
Farmers  Bk. 
Bk.  of  Florence 
Bk.  of  Georgetown 
Natl.  Bk.  of  Greenville 
Bk.  of  Hampton 
Snow  &  Co. 
Bk.  of  Lancaster 
Peoples  Loan  &  Exchange  Bk. 
Lexington  Savings  Bk. 
Bk.  of  Manning 
Merchants  &  Farmers  Bk. 
See  Charleston 
Natl.  Bk.  of  Newberry 
Bk.  of  Orangeburgh 
See  Walhalla 
Natl.  Bk.  of  Spartanburgh 
Simonds  Natl.  Bk. 
Merchants  &  Planters  Bk. 
J.  D.  Verner. 
Wallet-borough  Loan  &  Sav.  Bk. 
Winnsborough  Natl.  Bk. 
Loan  &  Savings  Bk. 

Cashier. 
B.  S.  Barnwell. 
W.W.Muckenfuss 
J.  R.  Van  Diver. 
F.  C.  Butler. 
B.  S.  Sams. 
T.  G.  Matheson. 
C.  H.  Yates. 
E.  H.  Sparkman. 
T.  H.  White. 
F.  A.  Waddill. 
Willie  Jones. 
D.  A.  Spivey. 
H.  L.  Charles. 
A.  E.  Padgett. 
W.  J.  Brown. 
J.  I.  Hazard. 
W.  E.  Beattie. 
R.  E.  Cansey. 
D.  J.  Mclntyre. 
H.  C.  Thomson. 
W.  A.  Watts. 
W.  P  Roof. 
Joseph  Sprott,  Jr. 
W.  C.  Cross. 

T.  S.  Duncan. 
J.  E.  Bull. 

W.  E.  Burnett. 
L.  S.  Carson. 
George  Munro. 

R.  L.  Fraser,  Jr. 
T.  K.  Elliott. 
F.  A.  Gilbert. 

Alken  Aiken. 

Anderson  Anderson. 

Barnwell  Barnwell. 

Bean  for  il  Beauford. 

Beiiuctwville  .  .  Marlborougl 
Caiii*!<'ii     Kershaw. 

Charleston  Charleston. 
Chester  Chester. 

Chesterfield  .  .  .  .Chesterfield. 
Columbia  Richland. 

Con  way  Horry. 

Darlington  Darlington. 
Edgeiield  Edgefield. 

Florence  Florence. 

Georgetown..  .Georgetown. 
Greenville  Greenville. 

Hampton  Hampton. 

Klngstree  Williamsbur 

Lancaster  Lancaster. 

La  11  re  us  Lanrens. 

Lexington  Lexington. 
Manning  Clarendon. 

Itlarion  Marion. 

int.  Pleasant...  Berkley. 
Newberry  Newberry. 

Orangebiirgh  .  .Oranaebnrgl 
Plckeus  Pickens. 

Spartanburgii.Spartanburg 
Suintcr  Snmter. 

Union  Union. 

"Walhalla  Oconee 

WALTERBOROUGH.Colleton. 
WINNSBOROUGH.  ..Fairfield. 
Yorkvllle  York. 

DIGEST   OF   SOUTH    CAROLINA   COMMERCIAL    LAWS. 

Assignments. — Assigments  for  the  benefit  of  creditors  may  be  made.  No  preferences  are 
allowed. 

Attachments. — An  attachment  may  issue  against  a  corporation  created  by  or  under  the 
laws  of  any  other  State  or  against  a  defendant  who  is  not  a  resident  of  this  State,  or 
against  a  defendant  who  has  absconded  or  concealed  himself,  or  whenever  any  per- 
son or  corporation  is  about  to  remove  any  of  his  or  its  property  from  this  State,  or 
has  assigned,  disposed  of  or  secreted,  or  is  about  to  assign,  dispose  of  or  secrete  any 
of  his  or  its  property  with  intent  to  defraud  creditors. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA.  125 

SOUTH  CAROLINA— CONTINUED. 

Bank  Law*. — The  General  Assembly  can  grant  no  charter  for  banking  purposes,  except 
on  condition  that  the  stockholders  shall  be  liable  for  its  debts  to  the  amount  of  their 
respective  shares  aud  upon  condition  also  that  no  director  or  officer  shall  borrow 
any  money  from  the  corporation.  If  any  director  or  officer  be  convicted  for  violat- 
ing this  provision  he  may  be  punished  by  fine  or  imprisonment.  No  loans  can  be 
made  for  a  longer  period  than  twelve  months.  All  State  banks  may  invest  their 
capital  in  the  bonds  of  the  State,  or  of  the  United  States,  to  an  amount  not  exceed- 
ing one-half  of  its  capital.  The  notes  of  the  bank  in  circulation  must  not  exceed, 
for  more  than  four  consecutive  weeks,  three  times  the  amount  of  gold  and  silver 
coin  and  bullion  in  its  possession  or  subject  to  its  control  within  the  State  and  to  it 
belonging,  and  the  bank  is  liable  to  a  forfeiture  of  $500  for  every  successive  week 
during  which  such  excess  shall  exist.  Each  bank  is  required  to  transmit  on  Wednes- 
day of  each  week  to  the  Comptroller-General  a  certified  account  of  the  gold  and 
silver  coin  and  bullion  to  it  belonging,  and  it  is  liable  to  a  forfeiture  of  $100  per  day  to 
the  State  if  it  neglect  to  transmit  such  report.  If  any  officer  of  a  bank  receive  any 
deposit  or  trust,  or  create  any  debt  on  behalf  of  the  bank  after  he  is  cognizant  of  it  s 
insolvency  he  shall  be  deemed  guilty  of  felony,  and  shall  be  liable  also  to  the 
amount  of  such  deposit  trust  or  indebtedness  to  the  person  injured.  The  comptroller 
is  required  to  collate  the  various  statements  in  the  returns  made  by  the  banks  so  as 
to  present  a  comparative  view  of  the  several  items  thereof  and  publish  the  same  in 
a  newspaper. 

Exemptions. — Homestead  not  to  exceed  in  value  $1,000  with  the  yearly  products  thereof; 
and  every  head  of  a  family  residing  in  this  State,  whether  entitled  to  a  homestead 
exemption  in  lands  or  not,  personal  property  not  to  exceed  in  value  the  sum  of 
$500. 

Interest. — Legal  rate  is  7  per  cent.,  but  8  percent,  may  be  contracted  for  in  writing. 
The  receipt  of  any  interest  greater  than  that  thus  allowed  shall  be  attended 
not  only  with  the  forfeiture  of  all  interest,  but  the  lender  shall  be  liable  in  a  sepa- 
rate action  for  double  the  sum  so  usuriously  received. 

Legal  Holidays. — Sunday,  National  Thanksgiving  Days,  and  all  General  Election 
Days,  the  first  day  of  January,  the  twenty-second  day  of  February,  the  fourth  day 
of  July,  the  first  Monday  in  September,  the  twenty-fifth  day  of  December,  and 
Labor  Day. 

Limitation  of  Actions. — Actions  upon  a  judgment  or  decree  of  any  court  of  the 
United  States,  or  of  any  State  or  Territory,  or  upon  a  sealed  instrument,  other  than 
sealed  notes  and  personal  bonds  for  payment  of  money  only,  which  are  not  secured 
by  mortgage,  must  be  brought  within  twenty  years.  An  action  upon  a  contract, 
obligation  or  liability,  express  or  implied,  not  under  seal,  and  upon  sealed  notes  or 
personal  bonds  for  the  payment  of  money  only,  which  are  not  secured  by  mortgage, 
within  six  years. 

Married  Women. — The  Constitution  provides,  "  the  real  and  personal  property  of  a 
married  woman,  held  at  the  time  of  her  marriage,  or  which  she  may  thereafter 
acquire,  shall  not  be  subject  to  levy  or  sale  for  the  husband's  debts,  but  shall  be 
held  as  her  separate  property."  A  married  woman  may  deal  as  a.femme  sole  and  her 
property  is  bound  by  her  contracts. 

Notarial  Fees. — Protest  $2  and  postage. 

Notes  and  Bills  of  Exchange. — Bills  of  exchange  and  promissory  notes,  drawn  in 
the  usual  form,  are  recognized  as  commercial  paper,  and  if  drawn  payable  at  sight 


126  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

SOUTH  CAROLINA— CONTINUED. 

are  entitled  to  days  of  grace.  Paper  falling  due  on  legal  holiday  to  be  paid  the 
next  day  thereafter.  No  protest  is  needed  on  an  inland  bill  for  less  than  $100.  On 
all  bills  of  exchange  drawn  on  persons  resident  within  the  United  States,  and 
without  this  State,  and  returned  protested,  the  damages  are  ten  per  cent.,  and  any 
other  part  of  North  America  or  in  the  West  India  Islands,  twelve  and  one-half  per 
cent.  On  all  bills  drawn  on  persons  in  any  other  part  of  the  world  the  damages 
are  fifteen  per  cent. 

Stay  of  Executions. — No  stay  of  execution  unless  ordered  by  the  courts. 

Transfer  of  Corporation  Stocks. — Except  as  between  the  parties,  transfer  to  be 
valid  must  be  on  books  of  company. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


127 


SOUTH  DAKOTA. 

County  Seat.  County.  Name  of  Atty.  Name  of  Bank.  Cashier. 

Aberdeen Brown.  John  H.  Perry  Aberdeen  Natl.  Bk.  F.  \V.  Brooks 

Alexandria Hanson.  F.  B.  Smiih  Farmers  Bk.  V.  K.  Stillwell. 

Armour Douglas.  E.S.Johnson  Armour  State  Bk.  Franklin  Floete. 

Baiigor Walworth.  W.  R.  Green  Walworth  Co.  Bk.  W.  R.  Green. 

Brttton Marshall.  James  Wells  State  Bk.  of  J.  Voak  &  Co.  J.  J.  Aplin. 

Brook  inii* Brookings.  Hall  &  Cheever  First  Natl.  Bk.  Horace  Fishback. 

Canton Lincoln.  0.  S.  Gifford  Lincoln  Co.  Bk.  O.  K.  Brown. 

Castlewood Hamlin.  Thomas  &  Hopkin  Hamlin  Co.  Bk.  H.  H.  Curtis. 

Chamberlain  ..Brule.  Morrow  &  Wright  Bk.  of  Chamberlain  Patrick  Henry. 

Clark Clark.  S.  A.  Keenan  First  Natl.  Bk.  CarlJackson. 

Custcr Custer.  Porter  &  Wood  CusterCo.  Bk.  T.  W.  Delicate. 

Deadwood Lawrence.  Moody  &  Washabaugh  First  Natl.  Bk.  D.  A.  McPhersou. 

De  Smet Kingsbnry.  C.  S.  Whiting  Kingsbury  Co.  Bk.  E.  P.  Sanford. 

Elk  Point Union.  Ira  P.  Nichols  Citizens  Bk.  F.  M.  Gilmore. 

Faulktou Faulk.  D.H.Latham  Security  State  Bk.  C.A.Morse. 

Flandreau Moody.  John  Q.  Adams  Flandreau  State  Bk.  Albert  Faegre. 

Gaii n  Valley... Buffalo.  See  Chamberlain 

Gary Denel.  J.  C.  Eakins  Exchange  Bk.  A.  L.  Houghton. 

Gettysburg- Potter.  A.  L.  Ellis  Potter  Co.  Bk.  J.  R.  Hughes. 

Hlghmore Hyde.  F.M.Barnes  Bk.  of  Highmore  Frank  Drew. 

Hot  Springs. .  ..Fall  River.  J.  H.  Boomer  Bk.  of  Hot  Springs  O.  C.  Smith. 

Howard Miner.  Farmer  &  Farmer  Security  Bk.  of  Dakota  C.  L.  Oleson. 

Huron Beadle.  John  L.  Pyle  Sioux  Valley  Bk.  Hubert  Loonan. 

Ipswich Edmunds.  H.  C.  Briggs  Bk.  of  Ipswich  A.  J.  Beebe. 

Leola McPherson.  Andrew  Williams  State  Bk.  of  Leola  C.  Tamer. 

Madison Lake.  J.H.Williamson  First  Natl.  Bk.  G.  L.  McCa!li?ter. 

ITIlllbank  Grant.  Thomas  L.  Bouck  Farmers  Bk.  F.B.Roberts. 

Miller Hand.  J.  H.  Cole  Citizens  Bk.  W.  H.  Waters. 

Mliinesela Butte.  See  Deadwood 

Mitchell Davison.  A.  E.  Hitchcock  First  Natl.  Bk.  F.  E.  Mosea. 

Mound  City — Campbell.  H.  J.  Krueger  Campbell  Co.  State  Bk.  A.  F.  Campbell. 

Nashville Harding,  See  Deadwood 

Oacoma Lyman.  See  Chamberlain 

Olivet Hutchinson.  J.  M.  Gray  At  Parkston,  Parkston  State  Bk.    H.  E.  Casteel. 

Onida Sully.  Coe  I.  Crawford  Sully  Co.  Savings  Bk.  D.Q.Jordan. 

Parker Turner.  S.V.Jones  First  Natl.  Bk.  F.  L.  Clisby. 

Pierre Hughes.  Horner  &  Stewart  Pierre  Natl.  Bk.  Louis  Kehr. 

Planklnton — Aurora.  H.  F.  Fellows  Bk.  of  Plankinton  F.L.Stevens. 

Rapid  City Pennington.  Jas.  W.  Fowler  First  Natl.  Bk.  James  Halley. 

Bedfleld. Spink.  Sterling  &  Morris  Bk.  of  Redfield  E.  C.  Issenhuth. 

Rosebud Meyer.  See  Chamberlain 

Salem McCook.  E.H.Wilson  Commercial  State  Bk.  D.  Goldsmith. 

Sioux  Falls  — Minnehaha.  Muller  &  Conway  Dakota  Natl.  Bk.  C.  C.  Carpenter. 

Stnrgls Meade.  Wesley  A.  Stuart  First  Natl.  Bk.  J.J.Davenport. 

Tyndall BonneHommeJ.  D.  Elliott  Security  Bk.  Joseph  Zitka. 

Vermillloii Clay.  John  L.  Jolley  First  Natl.  Bk.  M.  J.  Lewis. 

AVatcrtoxvii . . .  .Codington.  D.  C.  &  W.  R.  Thomas  Citizens  Natl.  Bk.  W.  D.  Morris. 


128 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 


SOUTH   DAKOTA— CONTINUED. 


County  Seat.  County.  Name  of  Atty. 

Webster Day.  R.  W.  Parliman 

Wesslngton 

Springs.  Jerauld.          E.  H.  Vance 

Wheeler Charles  Mix.  D.  L.  P.  Lamb 


Wilmot Roberts. 

Woonsocket...Sanborn. 

ITankton Yankton. 

Not  Organlzed.Boreman. 
"  Choteau. 

*'  Delano. 

*'  Dewey. 

"  Ewing. 

"  Gregory. 

"  Jackson. 

"  Lugenbeel. 

*«  Martin. 

"  Nowlin. 

"  Pratt. 

Presho. 

Pyatt. 

Rhinehart. 

Schnasse. 

Scobey. 

Shannon. 

Stanley. 

Sterling. 

Todd. 

Tripp. 

Wagner. 

Washabaugh . 

Washington. 


(t 


F.  A.  Countryman 
N.  B.  Reed 
Gamble  &  Dillon 


Name  of  Bank. 
Farmers  &  Merchants  Bk. 

Bk.  of  Wessington  Springs 
Security  Bk. 
Bk.  of  Wilmot 
Citizens  Bk. 
Yankton  Natl.  Bk. 


Cashier. 
Jno.  Williams. 

C.  W.  Lane. 
J.  F.  Nichols. 
L.  V.  Peek. 
Noah  Keller. 
Wm.H.  Edmunds. 


Ziebach. 


DIGEST  OF  SOUTH  DAKOTA  COMMERCIAL  LAWS. 

Assignments. — An  insolvent  debtor  may  execute  an  assignment  of  property  for  the  satis- 
faction of  his  creditors,  but  such  an  assignment  cannot  contain  any  trust  or  con- 
dition by  which  any  creditor  is  to  receive  a  preference  over  any  other  creditor. 

Attachment*. — Attachments  may  issue  against  a  corporation  created  by  or  under  the 
laws  of  any  other  territory,  state,  government  or  country;  or  against  a  defend- 
ant who  is  not  a  resident  of  this  State  ;  or  against  a  defendant  who  has 
absconded  or  concealed  himself ;  or  whenever  any  person  or  corporation  is 
about  to  remove  any  of  his  or  its  property  from  this  State;  or  has  assigned,  disposed 
of,  secreted,  or  is  about  to  assign,  dispose  of  or  secrete  any  of  his  or  its  property 
with  intent  to  defraud  creditors,  the  plaintiff,  at  the  time  of  issuing  the  summons, 
or  at  any  time  afterwards,  may  have  the  property  of  such  defendant  or  corporation 
attached  as  security  for  the  satisfaction  of  such  judgment  as  the  plaintiff  may 
recover. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  129 

SOUTH  DAKOTA- CONTINUED. 

Bank  Law*. — Banking  corporations  mayjbe  formed  by  three  or  more  persons,  one-third 
of  whom  must  be  residents  of  the  State,  signing  articles  of  association  which  shall 
show  :  the  name  of  the  proposed  bank ;  the  place  where  the  business  is  to  be 
conducted;  the  amount  of  the  capital  and  the  number  and  value  of  the  shares;  the 
names  and  places  of  residence  of  the  shareholders,  and  the  number  subscribed  for 
by  each;  the  time  when  such  bank  is  to  commence  and  terminate  its  business.  This 
certificate  must  be  acknowledged  and  filed  with  the  Secretary  of  State,  who  then 
issues  his  certificate  of  authority  for  it  to  act  as  a  corporation.  Banks  so  organized 
cannot  issue  notes  to  circulate  as  money.  At  least  one-half  of  the  capital  must  be 
paid  in  before  it  can  begin  business.  The  shares  shall  be  of  the  value  of  $100  each. 
Each  director  must  own  at  least  ten  shares  of  stock.  Stockholders  are  individually 
liable  ratably  for  all  debts  of  the  bank  to  the  extent  of  the  amount  of  their  stock  in 
addition  to  the  par  value  of  the  shares  respectively  held  by  them.  There  can  be  no 
special  or  limited  partnership  formed  for  banking  purposes. 

Exemptions. — The  homestead,  whether  owned  by  husband  or  wife,  is  exempt  from 
judicial  sale,  judgment,  lien,  and  all  process  while  it  possesses  the  homestead 
character.  It  must  embrace  the  house  used  as  a  home  by  the  owner,  and  if  the 
owner  has  two  or  more  such  houses,  he  may  select  which  he  will  retain,  as  the 
homestead  must  only  embrace  contiguous  lots  limited  to  one  acre  of  city  property, 
160  acres  of  farm  property  limited  to  $5,000  in  value.  Upon  death  of  either  the 
husband  or  wife,  the  survivor  may  continue  to  occupy  the  homestead. 

Interest. — Legal  rate  7  cent. ;  contract  rate  may  be  12  per  cent.  Usury  forfeits  double 
amount  of  interest  collected. 

Legal  Holidays. — Sunday,  January  1,  February  22,  May  30,  July  4,  Thanksgiving, 
public  fast,  and  December  25,  and  a  general  State  or  National  Election  Day,  Labor 
Day. 

Limitation  of  Actions. — Action  must  be  commenced  on  judgments  within  ten  years, 
on  contracts,  express  or  implied,  six  years  from  the  time  a  cause  of  action  accrued 
thereon;  liability  created  by  statute,  six  years;  upon  real  property,  six  years.  Re- 
plevin and  conversion,  six  years. 

Notarial  Fees. — Protest  $1.50,  record  fifty  cents,  each  nctice  twenty-five  cents  and 
postage. 

Notes  and  Bills  of  Exchange.— -On  all  bills  of  exchange  or  sight  drafts,  whether 
foreign  or  domestic,  and  on  all  promissory  notes,  bills  of  exchange  and  drafts,  on 
the  face  of  which  time  is  specified,  and  notes  on  demand  for  payment  of  same,  three 
days'  grace  are  allowed ;  holidays  are  excluded  from  the  computation  of  days  of 
grace.  Acceptance  must  be  in  writing  by  the  drawee  or  an  acceptor  for  honor. 
Apparent  maturity  of  a  non-interest  bearing  sight  or  demand  note  is  ten  days  after 
date,  in  addition  to  the  time  required  for  transmission;  on  interest  bearing  notes, 
one  year  after  date.  Bills  and  notes  falling  due  on  a  holiday  are  deemed  due  and 
payable  on  the  following  day.  To  hold  indorser,  the  instrument  must  be  presented 
on  the  day  of  maturity,  and  notice  of  dishonor  given.  Damages  are  allowed  in 
favor  of  holders  for  value  on  bills  of  exchange  drawn  or  negotiated  within  the  State 
and  protested  for  non-acceptance  or  non-payment. 

Transfer  of  Corporation  Stocks. — Shares  of  stock  are  transferred  by  endorsement 
of  the  owner,  his  attorney  or  legal  representative,  by  delivery  of  certificate  and 
entry  of  transfer  on  the  books  of  the  company.     In  case  of  non-resident  owner,  an 
affidavit  that  the  transferee  was  alive  at  date  of  transfer  may  be  required. 
9 


130 


THE   LEGAL  AND   FINANCIAL  LIGHTS   OP   AMERICA. 


TENNESSEE. 


County  Seat.          County. 

Alamo Crockett. 

A 1  tamo  nt Grimily. 

Ashland  City  ..Cheatham. 

Athens McMinn. 

It  <>  ii  to  u Polk. 

Blount  ville  . . .Sullivan. 

Bolivar Hardeman. 

It  row  UN  villc  ..Hay  wood. 

Byrdsto  wn Pickett. 

Camden Beiiton. 

Carthage Smith. 

Cellna Clay. 

Centre  vllle Hickman. 

Charlotte Dickson. 

Chattanooga . .  .Hamilton. 
Clarksvllle  — Montgomery. 

Cleveland Bradley. 

Clinton Anderson. 

Columbia Maury. 

Cooke  vllle Putnam. 

Covlngton Tipton. 

Crossvllle Cumberland. 

Damlridge Jefferson. 

Dayton Rhea. 

Decatur Meigs. 

Decaturvllle.  ..Decatur. 

Dover Stewart. 

Dresden Weakley . 

Dunlap Sequatchie. 

Dyersburgh  . .  .Dyer. 
Elizabeth  ton..  Carter. 

Erin Houston. 

Erwin Unicoi. 

Fayett  vll  le Lincoln. 

Franklin Williamson. 

Oalnesboro Jackson. 

Gallatln Smnner. 

Greenville Greene. 

Harts  villc Trousdale. 

Henderson Chester. 

Huntlngton  ...Carroll. 

II  unts  v  i  lie Scott. 

JacksboroughCampbell. 

Jackson Madison. 

Jamestown  . .  .Fentress. 

Jasper Marion. 

JONESBOROUGH  .  ..Washington. 
Kingston Roane. 


Name  of  Atty. 
Wm.  F.  Poston 
J.  K.  P.  Pearson 
J.  J.  Lenox 
W.  D.  Henderson 
W.  R.  Johnson 
Thomas  Curtin 
Wood  &  McNeal 
Wm.  Kinney 
S.  M.  Turner 
S.  L.  Peeler 
W.  V.  Lee 
C.  Hull 

Bates  &  Clagett. 
Morris  &  Leech 
J.  A.  Caldwell 
Leech  &  Savage 
P.  B.  Mayfield  &  Son 
J.  A.  Fowler 
George  T.  Hughes 
T.  L.  Dewey 
W.  A.  Owen 
See  Sparta 
Pickle  &  Turner 
W.  B.  Miller 
J.  W.  Lillard 
J.  A.  England 
W.  M.  Brandon 
Jones  &  Hall 
N.  D.  Hearn 
Latta  &  Latta 
John  W.  Tipton 
J.  W.  Rudolph 
R.  W.  H.  Gilbert 
Holman  &  Carter 
Wm.  House 
J.  T.  Anderson 
James  W.  Blackmore 
Newton  Hacker 
John  S.  McMurray 
M.  F.  Ozier 
George  T.  McCall 
W.  H.  Buttram 
E.  H.  Powers 
McCorry  &  Bond 
Smith  &  Smith 
W.  D.  Spears 
S.  J.  Kirkpatrick 
George  L.  Burke 


Name  of  Bank. 
At  Bells  Depot,  Bk.  of  Crockett 
See  McMinnville 
See  Nashville 
First  Natl.  Bk. 
See  Cleveland 

At  Bristol,  Natl.  Bk.  of  Bristol 
Bk.  of  Bolivar 
Haywood  Co.  Bk. 
See  Livingston 
Camden  Bk.  &  Trust  Co. 
Bk.  of  Carthage. 
See  Gainesboro'. 
First  Natl.  Bk. 


Cashier. 
J.  H.  Thomas. 


R.  J.  Fisher. 

John  H.  Caldwell. 
W.  C.  Dorion. 
T.  B.  King. 

W.  E.  McRae. 
Herman  Myer. 

J.  B.  Walker. 


At  Dickson, Dickson  Bk.  &  Trust  Co.J.  T.  Dean. 


First  Natl.  Bk. 
Clarksville  Natl.  Bk. 
Bk.  of  Charleston 
Union  Bk. 
Maury  Natl.  Bk. 
Bk.  of  Cookeville 
Farmers  &  Merchants  Bk. 


J.  H.  Rathburn. 
A.  Howell. 
T.  J.  Knox. 
R.  S.  Kincaid. 
Chas.  A.  Parker. 
R.  L.  Farley. 
John  T.  Garner. 


At  Mossy  Creek,  Mossy  Creek  Bk.  J.  W.  Goodwin. 

Dayton  Bk.  &  Trust  Co.  J.  T.  Dean. 
See  Dayton 
See  Lexington 

Stewart  Co.  Bk.  E.  T.  Peck. 

Weakley  Co.  Bk.  J.  D.  Little. 
See  Pikeville 

Citizens  Bk.  J.  N.  Parker. 

Peoples  Bk.  C.  T.  Cass. 

Bk.  of  Erin  D.  W.  Shofner. 

Unicoi  Co.  Bk.  W.  T.  Williams. 

Elk  Natl.  Bk.  W.  B.  Douthat. 

Natl.  Bk.  of  Franklin  Joseph  L.  Parker. 

Bk.  of  Gainesboro  J.  A.  Williams. 

First  Natl.  Bk.  D.  F.  Barry. 

First  Natl.  Bk.  J.  E.  Hacker. 

Bk.  of  Hartsville  M.  L.  Wright. 

Farmers  &  Merchants  Bk.  R.  E.  McKinney. 

Bk.  of  Huntington  J.  McNiel  Wright 

At  Harriman,  First  Natl.  Bk.  W.  H.  Julian. 
At  Coal  Creek,  Bk.  of  Anderson  Co.E.  L.  Foster. 

First  Natl.  Bk.  J.  W.  Vanden. 
See  Livingston 

At  South  Pittsburg,  First  Natl.  Bk.T.  G.  Garrett. 

First  Natl.  Bk.  T.  L.  Earnest. 

Kingston  Bk.  &  Trust  Co.  S.  P.  Sparks. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 


131 


TENNESSEE— CONTINUED. 


County  Seat.           County. 
Unoxville  Knox. 
La  Fayette  Macon. 
LAWRENCEBURGH.  Lawrence. 
Lebanon  Wilson. 

Name  of  Atty. 
Jesse  L.  Rogers 
1.  L.  Roark 
W.  R.  King 
E.  E.  Beard 

Name  of  Bank. 
East  Tennessee  Natl.  Bk. 
La  Fayette  Bkg.  Co. 
Lawrence  Bkg.  &  Trust  Co. 
Bk  of  Lebanon 

Cashier. 
S.  V.  Carter. 
J.  W.  Beckwith. 
J.  M.  Gilmore. 
8  G  Stratton 

Lewisbiirgh  .  .  .Marshall. 
Lexington  Henderson. 
Linden  Perry. 

P.  C.  Smithson 
John  E.  McCall 
T.  W.  Sims 

Bk.  of  Lewisburgh 
Bk.  of  Lexington 
See  Centreville 

W.  D.  Fox. 
E.  J.  Tunberlake. 

Livingston  Overtoil. 
London  Loudon. 

Knight  &  Hussey 
G.  W.  Fox 

Bk.  of  Livingston 
Bk.  of  Loudon 

H.  S.  Estes. 
R.  H.  Bell. 

Lynchbnrgh  .  .Moore. 
McMinuville  ..Warren. 
Madlsonville.  .Monroe. 
Manchester  Coffee. 
Maryvllle  Blount. 

W.  D.  L.  Record 
T.  C.  Lind 
McCroskey  &  McCroskey 
George  W.  Cross 
McTeer  &  Gamble 

Farmers  Bk. 
Peoples  Natl.  Bk. 
Bk.  of  Madisonville 
Coffee  Co.  Bk. 
Bk.  of  Maryville 

J.  W.  Motlow. 
Frank  Colville. 
W.  N.  Magill. 
J.  G.  Wilkinson. 
Joseph  Burger. 

ITJ  a  j  nard  vi  1  1  e  .  Union. 
Memphis  Shelby. 

C.  A.  Gulp 
Wm  M  Randolph  &  Sons 

See  Knoxville 
State  Natl  Bk. 

M  8  Buckingham 

Morristown  .  .  .Hamblen. 
Mountain  CityJohnson. 
MURFREESBORO'.  .Rutherford. 
Nashville  Davidson. 

Shields  &  Mount  Castle 
Jenkins  &  Donnelly 
H.  E.  Palmer 
Tillman  &  Tillman 

First  Natl.  Bk. 
See  Bristol 
First  Natl.  Bk. 
Fourth  Natl  Bk 

George  S.  Crouch. 

H.  H.  Williams. 
J  T  Howell 

Newburg  Lewis. 
Newport  Cocke. 

See  Centreville 
McSween  &  Mints 

See  Columbia 
Merchants  &  Planters  Bk 

Ooltewah  James. 

H.  H.  McNab 

See  Chattanooga 

Paris  Henry. 

T  N  Thomason 

Alex  B  White 

Pikeville  Bledsoe. 
Pnlaski  Giles. 

John  C.  Myers 
John  T.  Allen 

Peoples  Bk. 
Peoples  Natl.  Bk. 

Sam.  M.  Pope. 
N.  A.  Crockett 

Hipley  Lauderdale. 

John  P.  Cause 

Ripley  Bk. 

W.  L.  Neel. 

Rogersville  —  Hawkins. 
Rutledge  Grainger. 
Savannah  Hardin. 

Smith  &  Chesnutt 
A.  S.  Tate 
D.  W.  Broyles 

Rogersville  Natl.  Bk. 
See  Morristown 
Bk.  of  Savannah 

James  Cooper. 
J.  J.  Williams 

Selmer  McNairy. 

D.  W.  Herring 

McNairy  Co.  Bk. 

J.  R.  Adams 

Sevierville  Sevier. 

J  R  Penland 

Bk  of  Sevierville 

M  B  McMahan 

Shelbyville  Bedford. 
Smithville  DeKalb. 
Sneedvllle  Hancock. 

Wm.  B.  Bates 
Nesmith  &  Smallman 
A.  J.  Tyler 

Peoples  Natl.  Bk. 
Potter's  Bk. 
See  Rogersville 

J.  D.  Hutton. 
T.  B.  Potter. 

Somerville  Fayette. 
Sparta  White. 

H.  C.  Moorman 
M.  A.  Cummings 

Fayette  Co.  Bk. 
First  Natl.  Bk. 

A.  J.  Rooks. 
J.  N.  Wallin". 

Spencer  Van  Btiren. 

J.  R  Simmons 

See  Sparta 

Spriiigfleld  —  Robertson. 
Tazewell        ...Claiborne. 

A.  E.  Garner 
W.  A  Owens 

Springfield  Natl.  Bk. 
See  Rogersville 

J.  Y.  Hutchison. 

Tiptonville  .  .  .  .Lake. 
Trenton  Gibson. 

W.  W.  Cochran 
Neil  &  Deason 

See  Troy 
Exchange  Bk. 

J.  E.  Carthel. 

Troy  Obion. 

J.  G.  Smith  &  Son 

Bk  of  Troy 

Paul  Ingram 

Wartburg  Morgan. 
Waverly  Humphreys. 

S.  M.  Vance 
Thomas  Bowman 

At  Harriman,  First  Natl.  Bk. 
Waverly  Bk.  &  Trust  Co. 

W.  H.  Julian. 
W.  H.  Meadow 

Waynesboro.  ..Wayne. 
"Winchester  —  Franklin. 
Woodbury  Cannon. 

Morrison  &  Harding 
Bankes  &  Embrey 
James  A.  Jones 

See  Savannah 
Bk.  of  Winchester 
Bk.  of  Woodbury 

F.  A.  Pattie. 
W.  C.  Covington  . 

132  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

TENNESSEE— CONTINUED. 
DIGEST  OF  TENNESSEE  COMMERCIAL  LAWS. 

Assignments. — Assignments  for  the  benefit  of  creditors  are  allowed,  but  without  prefer- 
ence. 

Attachments. — Attachments  may  be  granted  where  the  debtor  or  defendant  resides  out 
of  the  State  ;  where  he  is  about  to  remove  or  has  removed  himself  or  property 
from  the  State  ;  where  he  has  removed  or  is  removing  himself  out  of  the  county 
privately  ;  where  he  conceals  himself,  so  that  the  ordinary  process  of  law  cannot  be 
served  upon  him ;  where  he  absconds  or  is  absconding  or  concealing  himself  or 
property  ;  where  he  has  fraudulently  disposed  of  or  is  about  fraudulently  to  dispose 
of  his  property  .;  where  any  person  liable  for  any  debt  or  demand,  residing  out  of 
the  State,  dies,  leaving  property  in  the  State. 

Bank  Laws. — Any  company  incorporated  under  the  laws  of  Tennessee,  having,  by  its 
charter,  the  right  to  receive  money  in  trust  or  otherwise,  has  the  power  to  receive 
deposits  and  loan  same  and  its  capital  on  any  kind  of  commercial  business  paper  or 
real  estate,  buy  and  sell  exchange  and  all  kinds  of  public  or  private  securities  and 
commercial  paper.  State  banks  may  be  chartered  at  any  time  in  same  manner  as 
other  private  corporations,  and,  if  they  so  choose,  may  couple  with  the  usual  bank- 
ing business,  a  safe  deposit  and  trust  company.  They  may  do  all  acts  usually  per- 
formed by  banks.  Allow  3  per  cent,  interest  on  deposits,  advance  money  on  real 
and  personal  property,  and  sell  same ;  and,  if  the  safe  deposit  and  trust  feature  is 
added,  may  take  on  deposit  jewelry  and  other  valuables,  and  guarantee  the  preser- 
vation and  delivery  of  same  ;  guarantee  the  titles  to  real  estate  and  the  payment  of 
bonds  and  mortgages ;  execute  trusts  of  every  description,  and  own  a  vault  and 
rent  out  boxes  for  the  keeping  of  valuables,  but  shall  not  be  liable  for  losses  by  fire, 
theft,  or  other  excuse.  Stockholders  not  liable  except  for  payment  of  stock  sub- 
scribed by  each.  Every  six  months  banks  must  publish  a  statement  of  their  con- 
dition. The  Secretary  of  State  is  made  a  bank  examiner,  and  required  to  examine 
each  bank  quarterly  and  report  to  the  Comptroller,  and  each  bank  is  subject  to 
legislative  inspection.  There  is  no  law  regulating  the  class  of  bonds  in  which 
savings  banks  may  invest. 

Exemptions. — A  homestead  or  real  estate  in  the  possession  of,  or  belonging  to,  each  head 
of  a  family,  and  the  improvements,  if  any,  thereon,  to  the  value  of  in  all  $1,000, 
shall  be  exempt  from  sale  under  legal  process  during  the  life  of  such  head  of  the 
family,  and  which  shall  inure  to  the  benefit  of  his  widow  and  children,  and  shall 
be  exempt  from  sale  in  any  way  at  the  instance  of  any  creditor  or  creditors. 

Interest. — Legal  rate  is  6  per  cent.  A  defendant  sued  for  money  may  avoid  the  excess 
over  legal  interest  by  a  plea  setting  forth  the  amount  of  the  usury.  If  usurious 
interest  has  been  paid  it  may  be  recovered  by  action  at  the  suit  of  the  party  from 
whom  it  was  taken. 

Legal  Holidays. — Sunday,  January  1,  February  22,  first  Monday  in  September  (Labor 
Day),  July  4,  December  25,  Thanksgiving  and  Good  Friday,  Decoration  Day, 
Memorial  Day  and  election  days. 

Limitation  of  Actions.— Upon  bends,  notes,  accounts  and  contracts  generally,  six 
years ;  judgments  or  decrees  of  courts  of  record,  and  other  cases  not  expressly 
provided  for,  ten  years. 

married   Women. — Are  without  power  to  bind  themselves  or  property  by  contract. 

Notarial  Fees. — Protest  $1,  each  notice  fifty  cents. 


THE   LEGAL  AND  FINANCIAL   LIGHTS   OP  AMERICA.  133 

TENNESSEE— CONTINUED. 

Motes  and  Bills  of  Exchange. — A  verbal  acceptance  of  bill  of  exchange  communi- 
cated to  one  who  accepts  it  on  faith  of  such  acceptance  is  valid.  Bills  of  exchange, 
promissory  notes,  bank  checks,  and  bonds  for  payment  of  money  are  negotiable. 
When  negotiable  paper  is  taken  in  payment  of  pre-existing  debt,  equities  can  be  set 
up  against  the  holder.  Notary's  certificate  that  he  gave  notice  on  protest  of  bill  or 
note  to  drawer  or  indorser,  is  prima  facie  evidence  that  such  notice  was  given  as 
therein  stated.  All  warehouse  receipts  for  cotton,  tobacco,  grain,  hemp,  whiskey, 
or  any  kind  of  produce,  wares,  merchandise,  or  of  any  description  of  personal 
property,  are  negotiable  in  the  same  manner  as  bills  of  exchange,  unless  such 
receipts  shall  have  the  words  "  Not  Negotiable  "  plainly  written  or  stamped  thereon. 
Damages  recoverable  on  a  protested  bill  of  exchange  drawn  or  indorsed  in 
Tennessee,  are  three  per  cent,  if  it  was  drawn  on  a  person  or  corporation  in  any  of 
the  United  States  or  Territories  thereof  ;  fifteen  per  cent,  if  drawn  on  any  person 
or  corporation  of  or  in  any  other  State  or  place  in  North  America  bordering  on  the 
Gulf  of  Mexico,  or  of  or  in  any  of  the  West  India  Islands  ;  twenty  per  cent,  if 
drawn  on  any  person  or  corporation  of  or  in  any  other  part  of  the  world.  Days  of 
grace  are  not  allowed  on  bills  payable  at  sight.  Paper  maturing  on  a  holiday 
becomes  due  on  business  day  preceding. 

Stay  of  Executions.— In  Justices'  Courts  a  stay  of  eight  months  is  allowed  on  giving 
security. 

Tran§fer  of  Corporation  Stocks. — Shares  may  be  transferred  by  presentation  of 
old  certificates  at  the  office  of  the  company  properly  endorsed.  New  shares  will 
then  be  issued  by  the  proper  officer. 


134 


THE   LEGAL   AND   FINANCIAL  LIGHTS   OF   AMERICA. 


TEXAS. 


County  Seat.          County. 

Abilene Taylor. 

Albany Shackleford. 

Alpine Brewster. 

Amarlllo Potter. 

Anderson Grimes. 

Anson Jones. 

Archer Archer. 

Athens Henderson. 

Austin Travis. 

Balrd Callahan. 

Balllnger Runnels. 

Handera Bandera. 

Bar*  tow Ward. 

Bastrop    Bastrop. 

Bates  vllle Za  valla. 

Beaumont Jefferson. 

Beevllle Bee. 

Bellvllle Austin. 

Belton Bell. 

Benjamin Knox. 

Big  Spring Howard. 

Blanco Blanco. 

Boer  lie Kendall. 

Bouham Faunin. 

Bracket! ville  .Einney. 

Brady McCulloch. 

B  razor!  a Brazoria. 

Breckenrldge.  Stephens. 

Brenham Washington. 

Brownsville.  ..Cameron. 
Brownwood .  .Brown. 

Bryan Brazos. 

Burnet Burnet. 

Cald  well Bnrleson. 

Camero  n Milan. 

Canadian Hemphill. 

Canton Van  Zandt. 

Canyon Randall. 

Carrlzo Zapata. 

CARRIZO  SPRINGS. Dimmii . 

Carthage Panola. 

Castro  vllle Medina. 

Center Shelby. 

Centervllle Leon. 

Chlldress Childress. 

Clalrmont Kent. 

Clarendon Donley. 


Name  of  Atly. 

Name  of  Bank. 

Cashier. 

Fred  Cockrell 

Abilene  Natl.  Bk. 

George  S.  Berry. 

J.  R.  Warren 

First  Natl.  Bk. 

N.L.  Bartholomew 

Vacant 

See  Pecos 

Plemens  &  Veale 

First  Natl.  Bk. 

Walter  Davis. 

Lindsay  &  Baker 

At  Navasota,  First  Natl.  Bk. 

James  M.  Shaw. 

C.  M.  Christenberry 

Bk.  of  R.  V.  Colbert 

F.  E.  Dyens 

See  Seymour 

Richardson,  Watkins&Miller.First  Natl.  Bk. 

G.  M.  Woflord. 

West  &  Cochran 

State  Natl.  Bk. 

J.  G.  Palm. 

Otis  Bowyer 

First  Natl.  Bk. 

W.  C.  Powell. 

Guion  &  Truly 

First  Natl.  Bk. 

D.  M.  Baker. 

H.  C.  Duffy 

See  San  Antonio 

See  Pecos 

J.  B.  Price 

First  Natl.  Bk. 

Chester  Erhard. 

See  Eagle  Pass 

Greer  &  Greer 

First  Natl.  Bk. 

Frank  Alvey. 

Beasley  &  Flournoy 

First  Natl.  Bk. 

B.  W.  Klipstein. 

A.  Chesley 

First  Natl.  Bk. 

J.  G.  Wessendorf  . 

A.  J.  Harris 

Belton  Natl.  Bk. 

J.  Z.  Miller. 

J.  J.  Brents 

See  Seymour 

S.  H.  Cowan 

First  Natl.  Bk. 

E.  O.  Price. 

J.  W.  Bains 

Bk.  of  Boon  &  Crist. 

Eugene  Digges 

See  San  Antonio 

Taylor,  Galloway  &  McGrady.  First  Natl.  Bk. 

A.B.  Scarborough 

Thomas  &  McDonald 

See  Del  Rio 

F.  M.  Newman 

Commercial  Bk. 

W.  D.  Crothers. 

H.  Masterson 

At  Velasco,  Velasco  Natl.  Bk. 

J.  M.  Moore. 

J.  W  Crudgington 

Bk.  of  Ward  &  Black 

Searcy  &  Garrett 

First  Natl.  Bk. 

H.  K.  Harrison. 

James  B.  Wells 

First  Natl.  Bk. 

J.  D.  Anderson. 

Jenkins  &  McCartney 

Merchants  Natl.  Bk. 

J.  A.  Austin. 

Ford  &  Nail 

Merchants  &  Planters  Bk. 

J.  P.  Burrough. 

J.  G.  Cook 

Bk.  of  W.  H.  Westfall  &  Co. 

A.  W.  Mciver 

Bk.  of  Wm.  Reeves  &  Co. 

W.  T.  Hefley 

First  Natl.  Bk. 

T.  F.  Hardy. 

H.  E.  Hoover 

Canadian  Valley  Bk. 

D.  J.  Young. 

Kilgore  &  Lively 

At  Willspoint,  Willspoint  Bk. 

J.  M.  Lybrand. 

See  Clarendon 

See  Laredo 

F.  Vandervoorst 

See  Eagle  Pass 

J.  G.  Hazlewood 

Bk.  of  Carthage 

H.  E.  Hasse 

Bk.  of  Joseph  Couraud 

R.  S.  Bryerly 

See  Nacogdoches 

S.  W.  Dean 

See  Franklin 

Johnson  &  Fires 

First  Natl.  Bk. 

J.  H.  P.  Jones. 

Belcher  &  Hendrix 

See  Haskell 

Browning  &  Mcdden 

Bk.  of  Clarendon 

W.  H.  Patrick. 

THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 


135 


TEXAS— CONTINUED. 


County  Seat.          County. 

Clarksvllle Red  River. 

Claude Armstrong. 

Cleburne Johnson. 

Cold  Spring — San  Jacinto. 

Cold  water Sherman. 

Col  cmau Coleman. 

Colorado Mitchell. 

Columbus Colorado. 

Comaiiclie C'omanche. 

Cooper Delta. 

Corpus  Cbrlstl.Nneces. 

Corslcana Navarro. 

Cotulla La  Salle. 

Crockett Houston. 

Crowell Foard. 

Cnero DeWitt. 

Dalngerfield  ..Morris. 

Dallas Dallas. 

Decatur Wise. 

Bel  Rio Val  Verde. 

Deiitoii Denton. 

Dickens Dickens. 

IH  in  in  i  1 1 Castro. 

Dumas Moore. 

Eagle  Pass Maverick. 

Eastland Eastland. 

Edna Jackson. 

El  Paso El  Paso. 

Emma Crosby. 

Emory Rains. 

Fairfleld Freestone. 

Floresvllle Wilson. 

Floydada Floyd. 

Fort  Davis Jeff  Davis. 

Fort  Stockton. Pecos. 
Fort  Worth. .  ..Tarrant. 

Franklin Robertson. 

FREDERICKSBURGHGillespie. 

Gall Borden. 

Gainesville Cooke. 

Galveston Galveston. 

Garden  City Glasscock. 

Gatesvllle Coryell. 

Georgetown  . .  .Williamson. 

Giddiiig* Lee. 

Gllmer Upshnr. 

Glen  Rose Somerwell. 

Goldthwalte . .  .Mills. 
Gollad Goliad. 


Name  of  Atty. 

Name  of  Bank. 

Cashier. 

Lennox  &  Lennox 

Red  River  Natl.  Bk. 

D.  W.  Cheatham. 

See  Clarendon 

Poindexter  &  Padelford 

Farmers  &  Merchants  Natl.  Bk. 

S.  B.  Allen. 

A.  R.  Chapman 

See  Huntsville 

See  Lipscomb 

H.  C.  Randolph 

Coleman  Natl.  Bk. 

R.  H.  Alexander. 

R.  H.  Looney 

Peoples  Natl.  Bk. 

W.  T.  Scott. 

J.  W.  Munson 

Bk.  of  R.  E.  Stafford  &  Co. 

Ike  T.  Pryor. 

Lindsey  &  Goodson 

First  Nat!.  Bk. 

T.  C.  Hill. 

Wood  &  Phillips 

First  Natl.  Bk. 

R.  M.  Walker. 

G.  R.  Scott  &  Bro. 

Corpus  Christ!  Natl.  Bk. 

Thos.  Hickey. 

R.  S.  Neblett 

Corsicana  Natl.  Bk. 

T.  P.  Kerr. 

P.  H.  Clark 

Cotulla  Bk. 

E.  G.  Hubbard. 

Nunn  &  Nunn 

First  Natl.  Bk. 

H.  F.  Moore. 

See  Quanah 

Bailey  &  Schleicher 

First  Natl.  Bk. 

Lee  Joseph. 

J.  M.  Moore 

Natl.  Bk.  of  Daingerfield 

J.  F.  Jones. 

D.  H.  Morrow 

City  Natl.  Bk. 

E.  O.  Tenison. 

R.  E.  Carswell 

First  Natl.  Bk. 

Ben.  F.  Allen. 

H.  C.  Carter 

Bk.  of  John  Woods  &  Son 

Smith  &  Hill 

Denton  Co.  Natl.  Bk. 

B.  H.  Davenport. 

See  Haskell 

See  Floydada 

See  Canadian 

Winchester  Kelso 

First  Natl.  Bk. 

W.  A.  Bonnet. 

Scott  &  Brelsford 

Eastland  Natl.  Bk. 

B.  B.  Kenyon. 

W.  A.  McDowel 

Bk.  of  Edna 

J.  W.  Allen. 

W.  B.  Brack 

State  Natl.  Bk. 

J.  C.  Lackland. 

See  Haskell 

W.  M.  Brook 

At  Mineola,  Bk.  of  Mineola 

S.  Munzesheirner. 

R.  G.  Anderson 

See  Palestine 

Camp  &  Cocke 

Bk.  of  A.  B.  Briscoe 

D.  C.  McRae. 

H.  Snodgrass 

Floyd  Co.  Bk. 

B.  W.  Ainsworth. 

G.  E.  Pope 

See  Pecos 

Howell  Johnson 

See  Pecos 

Hyde  Jennings 

Fort  Worth  Natl.  Bk. 

N.  Harding. 

Cochron  &  Kinnard 

Bk.  of  Mitchell  Bros.  &  Decherd 

A.  0.  Cooley 

Bk.  of  Fredericksburgh. 

T.  D.  Smith. 

See  Big  Spring 

Potter  &  Potter 

First  Natl.  Bk. 

Wm.  Worsham. 

Spencer  &  Kincaid 

Galveston  Natl.  Bk. 

A.  J.  Compton. 

See  Big  Spring 

S.  B.  Hawkins 

City  Natl.  Bk. 

J.  S.  Corley. 

Brooks  &  John 

First  Natl.  Bk. 

F.  W.  Carothers. 

J.  L.  Rousseau 

First  Natl.  Bk. 

I.  J.  Farris. 

F.  S.  Eberhart 

Gilmer  Bk. 

W.  S.  Sasser. 

J.  J.  Farr 

See  Cleburne 

Tripett  &  Doughty 

First  Natl.  Bk. 

W.  H.  Trent. 

Browne  &  Burns 

First  Natl.  Bk. 

W.  B.  Campbell. 

136 


THE    LEGAL   AND   FINANCIAL   LIGHTS  OF   AMERICA. 


TEXAS— CONTINUED. 


County  Seat.          County. 

Goiizales Gonzales. 

Graham Young. 

Granbury Hood. 

Greenville Hunt. 

Grocsbeck Limestone. 

Groveton Trinity. 

Giithrie King. 

Hallettsville  ..Lavaca. 

Hamilton Hamilton. 

Hansford Hansford. 

Hartley Hartley. 

Haftkeil... Haskell. 

Haymoiid Buchel. 

1 1 1  in  l>  h  i  1 1 Sabine. 

Herapstead Waller. 

Henderson Rusk. 

Henrietta Clay. 

Hidalgo Hidalgo. 

Hillsborougli.Hill. 

Houston Harris. 

H  u  n  ts  v  il  le Walker. 

JacksboroughJack. 

Jasper Jasper. 

Jefferson Marion. 

Junction  City.Kimble. 
K  a  rues  City  . .  .Karnes. 

Kaufman Kaufman. 

Kerville Kerr. 

Kountz Hardin. 

Lagrange Fayette. 

Lampasas Lampasas. 

La  Plata Deaf  smith. 

Laredo Webb. 

Liberty Liberty. 

Linden Cass. 

Lipscomb Lipscomb. 

Livingston Polk. 

Llano Llano. 

Lockliart  Caldwell. 

Loiigvlew Gregg. 

Lnbbock Lnbbock. 

Lufkln Angelina. 

Madlso  11  vtl  1  e . .  Madison. 

Mar  fa Presidio. 

Marlin Falls. 

Marshall Harrison. 

Mason Mason. 

Matador Motley. 

Matagorda Matagorda. 


Name  of  Atty. 

Name  of  Bank. 

Cashier. 

Burgess  &  Hopkins 

Bk.  of  Miller  &  Sayers 

W.  J.  Bright. 

R.  F.  Arnold 

Beckham  Natl.  Bk. 

W.  T.  Stiwart. 

Riddle  &  Martin 

First  Natl.  Bk. 

Otho  S.  Houston. 

Perkins,  Gilbert  &  Perkins. 

Greenville  Natl.  Bk. 

W.  A.  Williams. 

Farrar,  Williams  &  Farrar 

Groesbeck  Natl.  Bk. 

D.  Oliver. 

See  Huntsville 

See  Haskell 

Paulus  &  Ragsdf.le 

Lavaca  Co.  Natl.  Bk. 

F.  Simpson. 

Eidson  &  Roberts 

Hamilton  Natl.  Bk. 

E.  A.  Pery. 

See  Lipscomb 

See  Amarillo 

Baldwin  &  Lomax 

First  Natl.  Bk. 

J.  V.  W.  Holmes. 

See  Del  Rio 

A.  D.  Hamilton 

See  Nacogdoches 

A.  C.  Tompkins 

Farmers  Natl.  Bk. 

Ed.  F.  Jones. 

W.  C.  Buford 

Bk.  of  A.  Wettermark  &  Co. 

W.  G.  Eustis 

Farmers  Natl.  Bk. 

F.  B.  Wyatt, 

Rentf  ro  &  Scott 

See  Corpus  Christ! 

Tarlton  &  Morrow 

Farmers  Natl.  Bk. 

John  J.  Warren. 

Ewing  &  Ring 

First  Natl.  Bk. 

W.  H.  Palmer. 

Benton  Randolph 

Gibbs  Natl.  Bk. 

G.  A.  Wynne. 

Thomas  S.  Spooner 

First  Natl.  Bk. 

D.  L.  Knox. 

Seale  &  Powell 

See  Nacogdoches 

W.  T.  Armistead 

Natl.  Bk.  of  Jefferson 

W.  T.  Atkins. 

W.  A.  Williamson 

See  Macon 

Graves  &  Wilson 

Buchel,  Wagner  &  Co. 

C.  L.  Burghard. 

Huffmaster  &  Huffmaster 

First  Natl.  Bk. 

Wood  Nash. 

W.  G.  Garrett 

Charles  Schreiner 

L.  A.  Schreiner. 

See  Beaumont 

Brown.  Lane  &  Jackson 

First  Natl.  Bk. 

Jno.  B.  Holloway. 

Matthews  &  Browning 

First  Natl.  Bk. 

J.  F.  White. 

See  Amarillo 

M.  H.  Lane 

Milmo  Natl.  Bk. 

Miles  T.  Cogley. 

M.  D.  Rayborn 

See  Houston 

F.  S.  Eberhard 

See  Daingerfield 

H.  E.  Hoover 

Bk.  of  Lipscomb 

Wm.  H.  Parker. 

James  E.  Heil 

See  Houston 

Moore  &  Linden 

Iron  City  Natl.  Bk. 

M.  M.  Hargis. 

Storey  &  Storey 

First  Natl.  Bk. 

J.  M.  Jolley. 

Otho  F.  Lane 

See  Haskell 

H.  G.  Lane 

See  Nacogdoches 

J.  F.  Randolph 

See  Franklin 

H.  H.  Kilpatrick 

See  Pecos 

Martin  &  Eddings 

First  Natl.  Bk. 

B.  C.  Clark. 

M.  R.  Geer 

First  Natl.  Bk. 

W.  C.  Field. 

M.  Fulton 

First  Natl.  Bk. 

E.  M.  Reynolds. 

See  Quanah 

See  Edna 

THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


137 


TEXAS— CONTINUED. 


Name  of  Atty. 
Smith  &  Evans 
W.  M.  Pardue 
J.  A.  Snook 
See  Pecos 
Wm.  N.  Knight 
R.  H.  Zane 
L.  0.  Miller 
J.  M.  Chambers 


County  Seat.          County. 

McKinney  Collin. 

Memphis Hall. 

Menardville. .  .Menard. 

Mentoue Loving. 

Meridian Bosque. 

Midland Midland. 

Mobeetie Wheeler. 

Montague Montague. 

Montgomery.. .Montgomery.  B.  H.  Powell 
Mt.  Pleasant  ..Titus.  S.  P.  Pounders 

Mt.  Vernon  — Franklin.        Glass  &  McLean 
Nacogdoches..Nacogdoches.George  H.  Matthews 
New  Bramfels.Comal.  J.  D.  Guinn 

Newton Newton.          L.  B.  Clunk 

Oak vil I e Live  Oak.        See  Beeville 

Ochilt  ree Ochiltree. 

Odessa Ector. 

Orange Orange. 

Ozona Crockett. 

Pad  H  call Cottle. 

Paint  Rock Concho. 

Par  nell Roberta. 

Palestine Anderson. 

Palo  Pinto Palo  Pinto. 

Panhandle Carson. 

Paris Lauiar. 

Pearsall Frio. 

Pecos Reeves. 

Pittsburgh Camp. 

Plalnview Hale. 

Pleasanton Atascosa. 

Port  Lava Calhoun. 

Qua  11  ah Hank-man. 

<l  u  it  man W<  >(>•'. 

Raynor Stonewall. 

Refuglo Refugio. 

Richmond Fort  Bend. 

Rio  Grande Starr. 

Robert  Lee Coke. 

Roby Fisher. 

Rockport Aransas. 

Rock  Springs .  .Edwards. 

Rook  wall Rockwall. 

Rusk Cherokee. 

San  Angelo Tom  Green. 

Nan  Antonio.  ..Bexar. 
San  AugustlneSanAugusti 

San  Diego Duval. 

San  Marcas Hayes. 


Name  of  Bank. 
First  Natl.  Bk. 
Bk.  of  Memphis 
See  Mason 

First  Natl.  Bk. 
First  Natl.  Bk. 
Bk.  of  J.  L.  Dickerson 
First  Natl  Bk. 
See  Houston 
First  Natl.  Bk. 
Mt.  Vernon  Bk. 
First  Natl.  Bk. 
First  Natl.  Bk. 
See  Beaumont. 


Cashier 

T.  H.  Emerson. 
Byron  Jones. 


J.  W.  Rudasill. 
W.  E.  Connell. 
C.  H.  Philbrick. 
W.  M.  Dugan. 

C.  C.  Carr. 

W.  G.  Ratcliff. 
Herman  Clemens. 


See  Lipscomb 

See  Midland 

D.  W.  Solliday 

First  Natl.  Bk. 

W.  W.  Reid. 

See  San  Angelo 

See  Quanah 

G.  H.  Garland] 

See  Ballinger 

See  Canadian 

Gregg  &  Gardner 

First  Natl.  Bk. 

Lucius  Gooch. 

M.  L.  Garrett 

Cunningham  Bros. 

Jno.  H.  Eaton. 

Frank  Lester 

Panhandle  Bk. 

J.  C.  Paul. 

Denton  &  Long 

First  Natl.  Bk. 

J.  F.  McReynolds 

T.  N.  Spann 

See  San  Antonio 

Frank  E.  Hunter 

Pecos  Valley  Bk. 

W.  D.  Johnson. 

S.  D.  Snodgrass 

First  Natl.  Bk. 

W.  C.  Hargrove. 

See  Floydada 

W.  H.  Smith 

See  Karnes  City 

W.  H.  Woodward 

See  Victoria 

Smith  &  Martin 

Bk.  of  C.  H.  Harwell  &  Co. 

W.  B.  Harris 

See  Gilmer 

Balcher  &  Hendrix 

See  Haskell 

See  Beeville 

Thomas  E.  Mitchell 

Bk.  of  J.  H.  P.  Davis  &  Co. 

C.  A.  Beasley. 

F.  D.  Yodon 

See  Brownsville 

See  Ballinger 

Crane  &  Kiefer 

See  Sweetwater 

E.  A.  Stevens 

First  Natl.  Bk. 

J.  M.  Hoopes. 

See  Kerrville 

N.  C.  Edwards 

Rockwall  Co.  Natl.  Bk. 

Frank  Jones. 

M.  J.  Whitman 

First  Natl.  Bk. 

A.  A.  Simmons. 

Cochran  &  Hill 

San  Angelo  Natl.  Bk. 

Jno.  Carragher. 

Berry  &  Culberson 

San  Antonio  Natl.  Bk. 

F.  Herff,  Jr. 

.•Wilson  &  Blount 

See  Nacogdoches 

James  0.  Luby 

See  Corpus  Christ!. 

Sterling  &  Fisher 

Glover  Natl.  Bk. 

E.  L.  Thomas. 

138 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


TEXAS— CONTINUED. 


County  Seat.          Connty.  NameofAtty. 

San  Patricio... San  Patricio.  See  Corpus  Christ! 

San  Saba San  Saba.       Allison  &  Reeber 

Sequin  ...  Guadelupe.     John  Ireland 

Seymour Baylor.  Newton  &  Oalton 

Sherman Grayson.         Dillard  &  Muse 

Sherwood Irion.  See  San  Angelo 

Sllverton Briscoe.          See  Floydada 

S ii  j  dor Scurry.  C.  C.  Johnson 

Sonora Sutton.  See  Mason 

Stanton Martin.  See  Big  Spring 

Stephen v!lle...Erath.  Martin  &  George 

SULPHUR  SPRINGSHopkins.        J.  A.  B.  Putnam 
Sweet  Water. ..Nolan.  Cowan  &  Fisher 

Tascora Oldham.         See  Amarillo 

Texarkana Bowie.  Jacob  M.  Carter 

Texllne Dallam.          See  Amarillo 

THROCKMORTON  ..ThrockmortonW.  T.  Andrews 

Tildeii McMullen.      See  Beeville 

Tulla Swisher.          See  Floydada 

Tyler Smith.  Marsh  &  Butler 

Uvalde Uvalde.          J.  N.  Garner 

Veriion Wilbarger.      Elliott  &  Sitterly 

Victoria Victoria.         Samuel  B.  Dabney 

Waco McLennon.     Williams  &  Evans 

Walllsvllle Chambers.      Hugh  Jackson 

Waxahachle  . .  Ellis.  G.  C.  Crose 

Weatherford.  .Parker.  G.  A.  McCall 

Wellington. . . .CollingsworthSee  Clarendon 

Wharton Wharton.        G.  G.  Kelley 

Wichita  Falls. Wichita.         James  &  Sherrod 

Woodvllle Tyler.  A.  E.  Adams 

Not  Organized.  Andrews. 

**  Bailey. 

'*  Cochran. 

"  Crane. 

*'  Dawson. 

*'  Encinal. 

«  Foley. 

««  Gaines. 

»'  Garza. 

*'  Gray. 

"  Hockley. 

*'  Hutchinson. 

<k  Lamb. 

**  Lynn. 

*'  Farmer. 

'*  Schleicher. 

«»  Sterling. 

*'  Terry. 


flame  of  Bank. 

Bk.  of  Ward,  Murray  &  Co. 
Bk.  of  E.  Nolte  &  Sons 
First  Natl.  Bk. 


Cashier. 


Walter  Nolte. 
G.  S.  Plants. 


Merchants  &  Planters  Natl.  Bk.      C.  B.  Dorchester. 


Citizens  Bk. 

First  Natl.  Bk. 
First  Natl.  Bk. 
Bk.  of  Thos.  Trammell  &  Co. 

Texarkana  Natl.  Bk. 
See  Haskell 


City  Natl.  Bk. 

First  Natl.  Bk. 

Bk.  of  A.  C.  Neal&Co. 

First  Natl.  Bk. 

Citizens  Natl.  Bk. 

See  Houston 

Citizens  Natl.  Bk. 

Merchants  &  Farmers  Natl.  Bk. 

Bk.  of  R.  T.  Ervin  &  Co. 
City  Natl.  Bk. 
See  Beaumont 


Lee  Boren. 


J.  S.  Hyatt. 
Phil.  H.  Foscue. 
R.L.McCaulley. 

W.  R.  Grim. 


W.  L.  Cain. 
B.  A.  Kandle. 


Theodore  Buhler. 
L.  B.  Black. 


T.  A.  Ferris. 
H.  L.  Brerard. 


Frank  Dorsey. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  139 

TEXAS— CONTINUED. 

County  Seat.          County.  Name  of  Atty.  Name  of  Bank.  Cashier. 

Not  Organized. Upton. 
"  Winkler. 

"  Yoakum. 


DIGEST   OF   TEXAS   COMMERCIAL    LAWS. 

Assignments. — Assignments  of  all  a  debtor's  estate  for  distribution  among  all  his 
creditors  may  be  made.  Insolvent  debtors  may  make  assignments  for  benefit  of 
such  creditors  only  as  will  accept  their  pro  rata  in  discharge  of  all  liability,  pro- 
vided the  creditor  receives  as  much  as  one-third  of  the  amount  due  him. 

Attachments. — Attachments  may  be  issued  when  defendant  is  not  a  resident  of  the  State, 
or  is  a  foreign  corporation,  or  is  acting  as  such  ;  that  he  is  about  to  remove  per- 
manently out  of  the  State,  and  has  refused  to  pay  or  secure  the  debt  due  the 
plaintiff  ;  that  he  secretes  himself  so  that  the  ordinary  process  of  law  cannot  be 
served  upon  him ;  that  he  has  secreted  his  property  for  the  purpose  of  defrauding 
his  creditors ;  or,  that  he  is  about  to  secrete  his  property  for  the  purpose  of  defraud- 
ing his  creditors;  or  that  he  is  about  to  remove  his  property  out  of  the  State  with- 
out leaving  sufficient  remaining  for  the  payment  of  his  debts;  or  that  he  is  about  to 
remove  his  property,  or  a  part  thereof,  out  of  the  county  where  the  suit  is  brought, 
with  intent  to  defraud  his  creditors;  or  that  he  has  disposed  of  his  property,  in 
whole  or  in  part,  with  intent  to  defraud  his  creditors;  or  that  he  is  about  to  dispose 
of  his  property  with  intent  to  defraud  his  creditors;  or  that  he  is  about  to  convert 
his  property,  or  a  part  thereof,  into  money  for  the  purpose  of  placing  it  beyond  the 
reach  of  his  creditors;  or  that  the  debt  is  due  for  the  property  obtained  under  false 
pretenses. 

Bank  Laws. — No  statutes  regulating  operations  of  banks.  There  is  no  provision  for 
official  examination  of  affairs  of  any  existing  state  banks,  nor  are  such  banks 
required  to  make  any  statement  of  their  condition. 

Exemptions. — A  suburban  homestead  consisting  of  not  more  than  200  acres  of  land, 
which  may  be  in  one  or  more  parcels  with  the  improvements  thereon,  without 
regard  to  value,  an  urban  homestead  consisting  of  lot  or  lots  not  to  exceed  in 
value  $5,000  at  the  time  of  designation  as  the  homestead,  without  reference  to  value 
of  any  improvements,  provided  that  same  shall  be  used  for  the  purpose  of  a  home, 
or  as  a  place  to  exercise  the  calling  or  business  of  the  head  of  a  family,  are 
exempt. 

Interest. — Legal  rate  is  6  per  cent.;  conventional,  10  percent.  Double  the  amount  of 
usury  paid  may  be  recovered  at  any  time  within  two  years  after  the  payment 
thereof. 

Legal  Holidays. — Sunday,  January  1,  February  22,  March  2,  April  21,  July  4,  Decem- 
ber 25,  and  all  days  appointed  by  the  President  of  the  United  States,  or  by  the 
Governor,  as  days  of  fasting  or  thanksgiving,  and  every  day  on  which  an  election  is 
held  throughout  the  State,  are  declared  holidays. 

Limitation  of  Actions. — Trespass,  conversion,  debt  where  the  indebtedness  is  not 
evidenced  by  a  contract  in  writing;  stated  or  open  account  other  than  such  mutual 


140  THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 

TEXAS — CONTINUED. 

and  current  accounts  as  concern  the  trade  of  merchandise,  between  merchant  or 
merchants,  their  factors  or  agents,  two  years.  Debt  when  evidenced  by  or  founded 
upon  any  contract  in  writing;  for  penalty  or  damages  on  the  penal  clause  of  any 
bond  to  convey  real  estate ;  action  by  one  partner  against  his  co-partner  for  the  set- 
tlement of  partnership  accounts,  or  upon  mutual  and  current  accounts  concerning 
merchandise,  between  merchant  or  merchants,  their  factors  or  agents ;  the  cause  of 
action  shall  be  deemed  to  have  accrued  for  the  cessation  of  the  dealings  in  which 
they  were  interested  together,  four  years. 

married  Women. — All  property  acquired  by  the  wife  in  any  way  before  marriage,  or 
by  gift,  devise,  or  descent  thereafter,  with  all  revenues  therefrom,  are  her  separate 
property ;  the  husband  during  marriage  has  control  of  the  separate  property  of  the 
wife.  A  married  woman  cannot  contract  as  a  partner  in  business  nor  embark  her 
separate  means  in  trade. 

Notarial  Fees. — Protest,  $2.50,  and  fifty  cents  for  each  notice. 

Notes  and  Bills  of  Exchange. — Unless  otherwise  provided,  commercial  paper  will 
be  considered  payable  at  the  residence  of  the  maker  or  acceptor,  or  other  person 
bound.  Days  of  grace  allowed  on  all  negotiable  instruments.  Bill  or  note  matur- 
ing on  a  legal  holiday  becomes  due  on  business  day  preceding.  Attorney's  fees 
may  be  stipulated  for  in  note  and  recovered  in  case  of  suit.  The  liability  of  any 
drawer  or  indorser  may  by  fixed  by  instituting  suit  against  the  acceptor  or  maker, 
before  first  term  of  district  of  county  court,  to  which  suit  can  be  brought,  or  before 
second  term,  showing  good  cause  why  not  brought  at  first  term;  within  jurisdiction 
of  justice,  suit  must  be  brought  within  sixty  days.  Such  liability  may  also  be  fixed 
by  protest,  according  to  the  custom  of  merchants.  The  holder  of  a  protested  draft 
or  bill,  drawn  by  a  merchant  in  this  State,  upon  his  agent  or  factor  without  the 
State,  may  recover  ten  per  cent,  damages  thereon,  besides  interest  and  costs. 

Stay  of  Executions. — Three  months  allowed  on  all  cases  in  Justices'  Courts,  provided 
defendant  gives  good  security  for  its  payment. 

Transfer  of  Corporation  Stocks. — Shares  of  stock  may  be  transferred  in  such  man- 
ner as  the  by-laws  prescribe,  but  only  on  the  books  of  the  corporation. 


THE   LEGAL   AND  FINANCIAL   LIGHTS   OF  AMERICA. 


141 


UTAH. 


County  Seat.          County.  Name  of  Atty. 

Ashley Uinta.  Richard  Veltman 

Beaver Beaver.  J.  W.  Christian 

IS  lull'. San  Juan.  See  Richfield 

Box  Elder Box  Elder.  J.  M.  Coombs 

Castle  Dale Emery.  See  Manti 

Coalvllle Summit.  See  Salt  Lake  City 

Farmlugtoii. .  .Davis.  Wilson  &  Wilcox 

Fllmore Millard.  James  A.  Melville 

Junction  Piute.  See  Richfield 

Heber Wasatch.  Wm.  Briggs 

Kanab Kane.  See  Richfield 

Logan  Cacbe.  J.C.Walters 

.Tl'a  n tl San  Pete.  J.  E.  Cochran 

Moab Grand.  See  Nephi 

Morgan Morgan.  T.  H.  Phillips 

Neplii Juab.  Henry  Adams 

Ogdeu Weber.  A.  R.  Heywood 

Pangultcn Oarfleld.  See  Richfield 

Parowan  Iron.  J.  W.  Brown 

Price Carbon.  Fred  Erickson 

Provo  City Utah.  King  &  Houtz 

Bandolpli Rich.  See  Logan 

Richfield  Sevier.  I.  J.  Stewart 

Salt  Lake  City.  Salt  Lake.  Marshall  &  Royle 

St.  George Washington.  F.  L.  Doggett 

Tooele Tooele.  See  Salt  Lake  City 

Not  Organized. Wayne. 


Name  of  Bank. 
See  Salt  Lake  City 
See  Richfield 

Bk.  of  Brigham  City 


Davis  Co.  Bk. 
See  Richfield 

See  Provo  City 

First  Natl.  Bk. 

Manti  City  Savings  Bk. 

At  Kaysville.  Barnes  Bkg.  Co. 
First  Natl.  Bk. 
First  Natl.  Bk. 


Cashier. 


J.  D.  Peters. 


A.  L.  Clark. 


Ripley  S.  Lyon. 
P.  P.  Dyreng. 

R.  W.  Barnes. 
W.W.  Aimstrong. 
James  Pingree. 


See  Richfield 

At  Mt.  Pleasant,  Mt.  Pleasant 

Commercial  &  Savings  Bk.       Ferd  Erickson. 

Provo  Commercial  &  Savings  Bk.    J.  R.  Twelves. 


James  M.  Peterson  Bk. 
Bk.  of  Commerce 
See  Richfield 


J.  S .  Christiansen. 
S.  F.  Walker. 


DIGEST    OF    UTAH    COMMERCIAL    LAWS. 

Assignments. — Assignments  by  insolvents  for  the  benefit  of  creditors  are  made  and 
administered  as  at  common  law,  there  being  no  statute  law  in  respect  to  such 
assignments.  Preferences  are  therefore  allowed,  and  accepting  a  dividend  from 
the  assignee  does  not  operare  to  discharge  debtor  from  further  liability. 

Attachments. — Writ  of  attachment  may  be  issued  when  defendant  is  not  a  resident  of 
this  Territory;  stands  in  defiance  of  an  officer  or  conceals  himself  so  that  process 
cannot  be  served  upon  him ;  has  assigned,  disposed  of,  or  concealed,  or  is  about  to 
assign,  dispose  of,  or  conceal  any  of  his  property,  with  intent  to  defraud  his 
creditors;  has  departed,  or  is  about  to  depart  from  the  Territory,  to  the  injury  of 
his  creditors;  fraudulently  contracted  the  debt  of  incurred  the  obligation  respecting 
which  the  action  is  brought. 

Bank  Laws. — Six  or  more  persons,  two-thirds  of  whom  must  be  residents  of  this  Terri- 
tory, may  associate  themselves  together  as  a  bank  of  discount  and  deposit  or  as  a 


142  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 

UTAH— CONTINUED. 

savings  bank.  When  $100,000  at  least  shall  have  been  subscribed,  and  20  per  cent, 
of  the  capital  shall  have  been  paid  to  the  treasurer  of  the  association  in  cash,  the 
the  subscribers  may  adopt  articles  of  association  and  elect  five  or  more  directors ; 
provided,  that  in  towns  having  from  10, 000  to  20,000  inhabitants  the  capital  of  the 
bank  must  be  at  least  $50,000;  in  towns  of  less  than  10,000  inhabitants  the  capital 
must  be  at  least  $25, 000.  The  articles  of  association  must  set  forth  that  the  object 
of  the  subscribers  is  to  avail  themselves  of  the  privileges  of  this  act;  the  amount  of 
the  capital  stock  and  the  number  of  shares;  the  names  and  places  of  residence  of 
the  stockholders,  and  the  number  of  shares  held  by  each ;  the  number  and  kind  of 
officers  who  are  to  manage  the  affairs  of  the  bank,  and  the  names  of  those  who  are 
to  act  for  the  first  year.  These  articles  must  be  sworn  to  by  three  or  more  of  the 
subscribers,  and  must  show  among  other  things  that  20  per  cent,  of  the  capital  has 
been  paid  in.  The  articles  must  be  filed  in  the  office  of  the  Clerk  of  the  Probate 
Court,  or  in  that  of  the  Clerk  of  the  District  Court,  who  is  thereupon  required  to 
issue  a  certificate  showing  that  the  articles  of  association  have  been  filed,  and  this 
certificate  and  a  copy  of  the  articles  must  be  filed  in  the  office  of  the  Secretary  of 
the  Territory,  who  must  issue  a  certificate  of  incorporation.  It  shall  have  power, 
among  other  things,  to  exist  for  fifty  years.  The  Secretary  of  the  Territory  is  Bank 
Examiner  ex-officio,  and  is  required  at  least  once  a  year  to  examine  any  bank  and 
make  a  detailed  report  of  its  condition. 

Exemption*. — The  statute  provides  that  if  the  debtor  be  the  head  of  family  there  shall 
be  exempt  a  homestead  to  be  selected  by  the  debtor,  consisting  of  lands  not  exceed- 
ing in  value  the  sum  of  $1,000  for  the  judgment  debtor,  and  the  further  sum  of  $500 
for  his  wife,  and  $250  for  each  other  member  of  the  family.  If  the  homestead  selected 
is  of  greater  value  than  is  exempted,  the  judgment  debtor  has  option  to  permit  same 
to  be  partitioned  or  to  be  sold  and  to  receive  in  money  the  value  of  the  homestead. 

Interest. — Legal  rate  8  per  cent.,  but  parties  may  agree  in  writing  for  any  rate  of  interest 
on  any  contract.  There  is  no  usury  law. 

Legal  Holidays. — Sunday,  January  1,  February  22,  the  first  Saturday  in  April  (Arbor 
Day),  May  30,  July  4  and  24,  the  first  Monday  in  September  (Labor  Day),  December 
25,  and  Thanksgiving  and  fast  days. 

Limitation  of  Actions. — Within  five  years:  on  a  judgment  or  decree  rendered  in  any 
court  of  the  United  States,  or  of  any  State  or  Territory  within  the  United  States,  for 
mesne  rents  and  profits  of  real  property.  Within  four  years  on  a  contract,  obliga- 
tion, or  liability  founded  on  an  instrument  or  writing,  except  judgments  of  a  court 
of  the  United  States,  or  of  a  State  or  Territory  within  the  United  States.  Within 
two  years,  on  a  contract,  obligation  or  liability  not  founded  on  an  instrument  of 
writing,  open  account  for  goods,  etc.  No  limitation  against  actions  to  recover 
money  or  other  property  deposited  with  bank,  banker,  trust  company,  savings  or 
loan  society. 

Notarial  Fees. — Protest  $1.50  and  thirty-five  cents  for  each  notice. 

Notes  and  Bills  of  Exchange. — Bills  of  exchange,  promissory  notes,  bank  notes, 
checks,  bonds,  and  certificates  of  deposit  are  negotiable  instruments  and  are 
governed  by  the  statutes  of  the  Territory.  Notice  of  dishonor  may  be  given  by  the 
holder  or  any  party  to  the  instrument  who  may  be  called  on  to  pay  it,  and  must  be  in 
writing.  Days  of  grace  are  not  allowed.  Paper  falling  due  on  a  holiday  becomes 
due  the  next  preceding  business  day  except  when  such  preceding  day  is  also  a 
holiday,  in  which  event  it  becomes  due  on  the  next  succeeding  business  day. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA.  143 

UTAH— CONTINUED. 

Damages  instead  of  interest  to  time  of  dishonor  are  allowed  on  dishonored  bills 
drawn  or  negotiated  within  this  Territory  as  follows  :  One  dollar  upon  each  $100 
specified  in  the  bill,  if  drawn  on  any  person  within  this  Territory  ;  if  drawn  on  any 
person  without  this  Territory  but  within  the  United  States,  two  and  one-half 
dollars  upon  each  $100  of  said  principal  sum  ;  if  drawn  on  any  person  in  any  place 
in  a  foreign  country,  five  dollars  upon  each  $100  of  said  principal  sum. 

Stay  of  Executions. — Not  more  than  sixty  days  on  small  cases  before  Justices'  Courts. 

Transfer  of  Corporation  Stock*. — Stock  is  personal  property  and  may  be  trans- 
ferred in  such  manner  as  provided  in  the  charter  or  by-laws. 


144 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 


VERMONT. 


County  Seat.          County.  Name  of  Alty. 

Benniiigtoii  ...Bennington.  Chas.  H.  Darling 

Burlington  ....Chittenden.  Hamilton  S.  Peck 

Chelsea Orange.  J.  K.  Darling 

Guildhall Essex.  Harry  Blodgett 


Hyde  Park  . . .  .Lamoille. 
Mlddlcbiiry  ...Addison. 

Moiitpeller Washington. 

Newfane Windham. 

Newport Orleans. 

North  Hero  —  Grand  Isle. 

Rutland Rutland. 

St.  Albang Franklin. 

St.  Johnsbury.C'aledonia. 
Woodstock  — Windsor. 


H.  M.  McFarland 
C.  M.  Wilds 
Frederick  L.  Laird 
M.  Davidson 
C.  A.  Prouty 
Wilson  &  Hall 
Edward  Dana 
A.  A.  Hall 
W.  P.  Stafford 
W.  E.  Johnson 


Name  of  Bank. 
First  Natl.  Bk. 
Howard  Natl.  Bk. 
Natl.  Bk.  of  Orange  Co. 

At  Island  Pond, 

Island  Pond  Natl.  Bk. 

Lamoille  Co.  Natl.  Bk. 

Natl.  Bk.  of  Middlebury 

First  Natl.  Bk. 

At  Battleboro,  Vermont  Natl.  Bk. 

Natl.  Bk.  of  Newport 

See  St.  Albans 

Clement  Natl.  Bk. 

Weldem  Natl.  Bk. 

First  Natl.  Bk. 

Woodstock  Natl.  Bk. 


Cashier. 
L.  A.  Graves. 
F.  E.  Burgess. 
O.  B.  Copeland. 

L.  A.  Cobb. 
E.  L.  Noyes. 
C.  E.  Pinney. 
A.  G.  Eaton. 
George  C.  Averill. 
Robert  Y.Wright. 

O.  F.  Harrison. 
J.  C.  Stranahan. 
Homer  E.  Smith. 
H.  C.  Johnson. 


DIGEST    OF    VERMONT    COMMERCIAL    LAWS. 

Assignments — Assignments  of  all  property  may  be  made  for  benefit  of  all  creditors. 

Attachments. — Attachment  may  be  made,  on  mesne  process,  of  both  personal  and  real 
property. 

Bank  Laws. — Any  number  of  persons,  not  less  than  five,  at  least  three-fourths  of 
whom  shall  be  residents  of  the  State,  may  associate  to  establish  banks  of  discount, 
deposit  and  circulation.  The  aggregate  amount  of  the  capital  stock  must  not  be 
less  than  $50,000,  nor  more  than  $500,000.  No  association  can  commence  the  busi- 
ness of  banking  until  its  entire  capital  stock  is  paid  in.  Examinations  of  the 
condition  of  a  bank  may  be  had  by  order  of  a  chancellor,  upon  application  of 
creditors  or  shareholders  whose  debts  amount  to  $1,000,  stating  the  cause,  verified 
by  affidavit.  The  treasurer  of  every  savings  institution  and  trust  company  is 
required,  on  or  before  the  10th  of  July  of  each  year,  to  report  to  the  Inspector  of 
Finance,  showing  accurately  its  condition  at  the  close  of  business  on  the  30th  of 
June.  This  report  is  to  include  the  name  of  the  institution,  place  of  business, 
amount  of  deposits,  number  of  depositors,  and  all  other  particulars  relative  to  the 
condition  of  the  institution. 

Exemptions. — The  law  exempts  a  homestead  to  the  amount  of  $500. 
Interest. — Legal  rate,  6  per  cent.     Usury  forfeits  double  amount  of  interest  taken. 

Legal  Holidays. — Sunday,  January  1,  July  4,  May  30,  December  25,  Thanksgiving  and 
fast  days. 

Limitation  of  Actions. — Actions  for  the  recovery  of  lands  or  other  possessions  must 
be  begun  within  fifteen  years  after  the  cause  of  action  first  accrues.  Actions  of 
covenant  shall  be  brought  within  eight  years.  Actions  on  contracts,  accounts, 
trespass  and  replevin,  six  years.  Action  to  recover  on  a  note  must  be  brought 
within  six  years  after  becoming  due,  unless  the  note  is  witnessed,  in  which  case 
action  may  be  began  at  any  time  within  fourteen  years. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OP  AMERICA.  145 

VERMONT— CONTINUED. 

married  Women. — If  a  married  woman  does  business  in  her  own  name,  a  Court  of 
Equity  will  enforce  her  contracts  made  in  the  course  of  such  business  against  her 
separate  estate. 

Notarial  Fees. — Protest,  $1.00,  and  postage  on  notices. 

Notes  and  Bills  of  Exchange. — Notes  and  bills  of  exchange  are  not  entitled  to  grace. 
Negotiable  paper  need  not  be  made  payable  at  any  particular  bank  or  place.  Notes 
payable  on  demand  are  considered  overdue  after  sixty  days  from  date.  Whenever 
any  bill  or  note  shall  fall  due  on  a  holiday,  the  same  shall  be  considered  as  due  on 
the  next  following  business  day. 

Stay  of  Executions. — No  general  stay  laws  exist. 

Transfer  of  Corporation  Stocks. — On  the  books  of  the  corporation. 


in 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


VIRGINIA. 

County  Seat.          County.  NameofAtty,  Name  of  Bank.  Cashier. 

A  I. i  11- ton  Washington.  Fulkerson,  Page  &  Hunt.      Bk.  of  Carpenter  &  Bell 

Accomack Accomack.     J.  W.  G.  Blackstone  At  Onancock,  First  Natl.  Bk.          E.  A.  Herbst. 

Alexandria Alexandria.     Francis  L.  Smith  First  Natl.  Bk.  Chas.  R.  Hooff. 

Amelia Amelia.          H.  Meade  See  Richmond 

Amherst Amherst.        C.  L  Scctt  Bk.  of  Amherst  F.  J.  Harris. 

Appomatox....Appoinatox.    H.  D.  Flood  At  Pamplin,  W.D.Thornton 

Farmers  &  Merchants  Savings  Bk. 

Bedford  City  ..Bedford.          M.  P.  Burks  First  Natl.  Bk.  Chas.  L.  Mosby. 

Berryvllle Clarke.  Marshall  McCormick  Bk.  of  Clarke  Co.  John  K.  Nunn. 

Bland Bland.  Sam.  W.  Williams  At  Pulasky  City,  Pulasky  Natl.  Bk.  W.  P.  Nicholson. 

BOWLING  GREEN.. Caroline.         A.B.  Chandler  At  Fredericksburg,  J.A.Taylor. 

Natl.  Bk.  of  Fredericksburg 

Boydtuu  MecklenburghFinch  &  Faulkner  Bk.  of  Mecklenburg  E.  W.  Overbey. 

Breutsville Prince WilliamMeredith  &  Thornton  See  Warrenton 

Buckingham.. Buckingham.  E.  W.  Hubbard  See  Farmville 

CHARLOTTESVILLEAlbermarle.    Woods  &  Fishburne  Peoples  Natl.  Bk.  B.  C.  Flannagan. 

Chatham Pittsylvania.  Joseph  Whitehead  Chatham  Savings  Bk.  E.  S.  Reid. 

Chesterfield.... Chesterfield.  P.  V.  Cogbill  See  Richmond 

CHRISTIANSBURGHMontgomery.  Phlegar  &  Johnson  Bk.  of  Christiansburgh  Chas.  J.  Wade. 

Cli  ntwood Dickenson.     F.  P.  Phipps  At  Richlands,  Bk.  of  Richlands       Allen  Cuculli. 

Courtland Southampton. Prince  &  Sebrell  At  Franklin,  Bk.  of  Vaughan  &  Co.  C.C.Vaughan,Jr. 

Coviugtou Allegheny.      J.  T.  Delaney  Covington  Natl.  Bk.  J.  E.  Rollins. 

Culpeper Culpeper.        Rixey  &  Barbour  Farmers  Natl.  Bk.  C.  J.  Rixey. 

Cumberland... Cumberland.  S.  F.  Coleman  See  Farmville 

Diuwiddle ,Dinwiddie.     W.  R.  McKinney  At  Blackstone,  Citizens  Bk.  J.  M.  Hurt. 

EaKtvIllc Northampton  0.  F.  Mears  At  Onancock  First  Natl.  Bk.  O.  L.  Parkoj. 

Eiiiporia Greeneville.    Wm.  M.  Powell  See  Lawrenceville 

Fairfax Fairfax.          Moore  &  Love  See  Alexandria 

Farmville PrinceEdwardA.  0.  Watkins  Planters  Bk.  Wm.  G.  Venable. 

Fiiicastle Botetourt.       J.  H.  H.  Figgart  Bk.  of  Fincastle  James  Godwin. 

Floyd Floyd.  V.  M.  Sowder  Farmers  Bk.  Winfield  Scott. 

Front  Royal.  ..Warren.  Giles  Cook,  Jr.  Front  Royal  Natl.  Bk.  J.  A.  Sommerville 

Gate  City Scott.  H.  S.  K.  Morison  Bk.  of  Gate  City  Isaac  P.  Kane. 

Gloucester Gloucester.     F.  L.  Taylor  At  West  Poirrt,West  Point  Bkg.  Co.W.  V.  Wilkinson. 

Goochland Goochland.     A.  K.  Leak  See  Richmond 

Grundy Buchanan.      F.H.Evans  At  Richlands,  Bk.  of  Richlands       Allen  Cucullu. 

Hampton ElizabethCityA.  S.  Segar  Bk.  of  Hampton  G.  M.  Peek. 

Hanover Hanover.        Geo.  P.  Haw  See  Richmond 

HARRISONBURGH..Rockingham.Sipe&  Harris  First  Natl.  Bk.  L.C.Myers. 

Heatsvllle    Northumber-  Warner  Ball  See  Richmond 

Hillfcville Carroll.  Walter  S.  Tipton  Citizens  Bk.  R.G.Wilkinson. 

Iiidepeudence.Grayson.         C.  C.  Porterfield  See  Hillsville 

Isle  of  Wight. .Isle  of  Wight.R.  S.  Thomas  At  Smithfield,  Bk.  of  Smithfield       A.  S.  Barrejtt. 

jroiiesville Lee.  H.J.Morgan  Powells  Valley  Bk.  C.  E.  Couk. 

King  &.  Queen. King  &  QueenC.  B.  Jones  See  Richmond 

King  George  .  .King  George. W.  A.  Rose  At  Fredericksburg, 

Natl.  Bk.  of  Fredericksburg    J.  A.  Taylor. 

King  William. King  WilliamB.  Taylor  See  Richmond 

Lancaster Lancaster.      H.  S.  Gresham  See  Richmond 

LawrencevlllcBrunswick.     R.  Turnbull  Bk.  of  Lawrenceville  Chas.  E.  May. 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


147 


VIRGINIA— CONTINUED. 


County  Seat.  County.          Name  of  Atty. 

Lebanon Russell.  H.  A.  Routh 

Leesburgh Loudoun.        Ed.  Nichols 

Lexington Eockbridge.   W.  T.  Shields 

Louisa    Louisa.  W.  E.  Bibb 

Lovlngston  ....Nelson.  Caskie  &  Coleman 

Limeiiburgh  ..Lunenbargb.  W.  E.  Mellette 

L ii  ray Page.  Walton  &  Bro. 

Madison Madison.        James  Hay 

Marion Smytb.  B.  F.  Buchanan 

Martiiisville  ..Henry.  H.  Z.  Mullins 

Mathews Mathews.        John  B.  Donovan 

Monterey Highland.       C.  P.  Jones 

Montrose WestmorelandC.  C.  Baker 

New  Bern Pulaski.          J.  C.  Wyson 

New  Cant  le Craig.  P.  V.  Jones 

New  Kent New  Kent.      R.  T.  Lacy 

Newport  NewsWarwick.       Garnett  &  Lett 

Nottoway Nottoway.       W.  H.  Mann 

Orange Orange.          John  G.Williams 

Palmyra Fluvanna.       Pettit  &  Leake 

Pearisburgh  .  .Giles.  A.  R.  Heflin 

Portsmouth... Norfolk.          G.  Hatton 

Powhatau Powhatan.      W.M.Flanagan 

Prince  George. Prince  GeorgeJ.  J.  Cocke 
Princess  Anne.PrincessAnneJ.  M.  Keeling 

Richmond Henrico.         Leake  &  Carter 

Rocky  Mount. Franklin.        Dillard  &  Lee 

Rutsburgh Campbell.       Wm.  M.  Murrel 

Salem Roanoke.        R.  H.  Logan 

Saluda Middlesex.      R.  McCandish 

Smithvillc Charlotte.       Wm.  C.  Carrington 

South  Boston  .Halifax.          Henry  Edmund 
Spottsylvania.SpottsylvaniaA.  B.  Rawlings 

Stanford Stafford.         Thomas  P.  Wallace 

STANNARDSVILLE.. Greene.  Field  &  Thomas 

Sta ii  iitoii Augusta.         Patrick  &  Gordon 

Stuart Patrick.          W.  C.  Lawson 

STURGEON  POINT.. Cbarles  City.  D.  G.  Tyler 
Suffolk  . .        Nanseinoud.   E.  E.  Holland 


Surry Surry. 

Sussex Sussex. 

TAPPAHANNOCK... Essex. 

Tazewell Tazewell. 

Warm  SpringsBatb. 

Warrenton Fauquier. 

Warsaw Ricbmond. 

Washington.. RappahannockE.  T.  Jones 
WILLIAMSBURGH.  .James  City.    E.  C.  Peachy 
Winchester Frederick.       John  J.  Williams 


George  T.  Clark  &  Son 
C.  L.  Cocke 
Thomas  Croxton 
Chapman  &  Gillespie 
J.  W.  Stephenson 
A.  D.  Payne 
Jones  &  Son 


Name  of  Bank. 
At  Richlands,  Bk.  of  Richlands 
Peoples  Natl.  Bk. 
Bk.  of  Rockbridge 
See  Charlottesville 
See  Amherst 
See  Nottoway 
Page  Valley  Bk. 
See  Culpeper 
Bk.  of  Marion 
Farmers  Bk. 

At  West  Point,  West  Point  Bkg.  Co 
See  Staunton 
See  Richmond 

At  Pulaski  City,  Pulaski  Natl.  Bk. 
Bk.  of  New  Castle 
See  Richmond 
First  Natl.  Bk. 
At  Blackstone,  Citizens  Bk. 
State  Bk.  of  Orange 
See  Charlottesville 
At  Radford.  Bk.  of  Radford 
Bk.  of  Portsmouth 
See  Richmond 

At  Petersburg, 

Petersburg  Sav.  &  T.  Co. 
See  Portsmouth 

Merchants  Natl.  Bk. 

Merchants  &  Farmers  Bk. 

At  Lynchburg,  Peoples  Natl.  Bk. 

Farmers  Natl.  Bk. 

See  Richmond 

Charlotte  Bkg.  &  Ins.  Co. 

Planters  &  Merchants  Bk. 

At  Fredericksburgh, 

Natl.  Bk.  of  Fredericksburg 
See  Culpeper 

See  Orange 

Natl.  Valley  Bk. 

Patrick  Co.  Bk. 

See  Richmond 

Farmers  Bk.  of  Nansemond 

See  Newport  News 

At  Smithfield,  Bk.  of  Smithfield 

See  Richmond 

Bk.  of  Clinch  Valley 

See  Staunton 

Bk.  of  Gaines  &  Bro. 

See  Richmond 

See  Warrenton 

See  Newport  News 

Shenandoah  Valley  Natl.  Bk. 


Cashier. 
Allen  Cucnllu. 
H.  A.  Thompson. 
W.  C.  Stuart. 


Chaa.  S.  Landram 

E. H.  Copenhaver 

G.  W.  Coan. 

W.  V.  Wilkinson . 


M.  F.  Nicholson. 
H.  W.  Yoder. 

J.  A.  Willett. 
Joseph  M.  Hurt. 
M.  G.  Field. 

G.  S.  Baskerville. 
J.  L.  Bilisoly. 

G.  J.  Seay. 

J.  F.  Glenn. 
G.  H.  T.  Greer. 
J.  W.  Ivey. 
W.  H.  Ruthrauff . 

F.  C.  Thornton. 
Henry  Easley. 

J.  A.  Taylor. 

H.  A.  Walker. 
W.  B.  Rncker. 

Wm.  H.  Jones,  Jr. 
A.  S.  Barrett 
Henry  Preston. 
W.  H.  Gaines. 

John  W.  Rice. 


148  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

VIRGINIA— CONTINUED. 


County  Seat. 


County. 


Name  of  Atty. 


Wise Wise.  E.  M.  Fulton 

Woodstock Shenandoah.  Walton  &  Walton 

Wytheville Wythe.  C.B.Thomas 

Yorktown York.  See  Newport  News 


Name  of  Sank. 
See  Jonesville 
Shenandoah  Co.  Bk. 
Bk.  of  Wytheville 


Cashier. 


M.  Coffman. 
J.  G.  Brown. 


PRINCIPAL  CITIES,  NOT  COUNTY  SEATS. 

Danville Pitts^lvania.  Withers  &  Withers  Citizens  Bk.  James  T.  Catlin. 

Lynchburg . . . .  Campbell.       W.  V.  Wilson,  Jr.  Peoples  Natl.  Bk.  J.  W.  Ivey. 

Norfolk Norfolk.         John  B.  Jenkins  Norfolk  Natl.  Bk.  Cald well  Hardy. 

Roanoke Roanoke.        Penn  &  Cocke  First  Natl.  Bk.  J.  W.  Shields,  Jr. 


DIGEST   OF   VIRGINIA   COMMERCIAL    LAWS. 

Assignments. — There  is  no  insolvent  law,  but  an  insolvent  debtor  may  make  a  voluntary 
assignment  for  the  benefit  of  creditors,  and  may  prefer  certain  creditors  to  others. 

Attachments. — Attachments  issue  against  a  foreign  corporation;  a  non-resident  of  this 
State  having  estate  or  debts  owing  him  within  the  county  or  corporation  in  which 
the  action  is,  or  is  sued  with  defendant  residing  therein;  a  defendant  who  is  remov- 
ing, or  is  about  to  remove  out  of  the  State  with  intent  to  change  his  domicile;  a 
defendant  who  is  removing,  intends  to  remove,  or  has  removed  the  specific  property 
sued  for,  or  his  own  estate,  or  the  proceeds  of  the  sale  of  his  property,  or  a  material 
part  of  such  estate  or  proceeds  out  of  this  State,  so  that  process  of  execution  on  a 
judgment,  when  obtained  in  said  action,  will  be  unavailing;  a  defendant  who  is 
converting,  or  is  about  to  convert,  or  has  converted  his  property  of  whatever  kind, 
or  some  part  thereof,  into  money,  security  or  evidences  of  debt ;  a  defendant  who 
has  assigned  or  disposed  of,  or  is  about  to  assign  or  dispose  of  his  estate  or  some 
part  thereof. 

Bank  iLaws. — The  circuit  and  corporation  courts  have  power  to  charter  any  bank  except 
a  bank  of  circulation,  which  become  effective  only  from  the  time  they  are  lodged  in 
the  office  of  the  Secretary  of  Commonwealth.  Every  such  bank  has  power  to  pre- 
scribe, by  its  Board  of  Directors,  by-laws  regulating  the  manner  in  which  its  stock 
shall  be  transferred,  its  general  business  conducted,  and  the  privileges  granted  to  it 
by  law  exercised  and  enjoyed.  The  affairs  of  such  bank  shall  be  managed  by  a 
Board  of  Directors,  consisting  of  not  less  than  five  persons,  a  majority  of  whom 
shall  be  citizens  of  the  State,  and  each  director  is  required  to  own  at  least  $100  of  the 
capital  stock  of  the  bank  of  which  he  is  director.  The  Board  of  Directors  shall 
meet  at  least  once  a  month.  The  directors  shall  be  elected  at  the  annual  meeting  of 
the  stockholders.  Every  such  bank  must  make  statements  to  the  Auditor  of  Public 
Accounts,  identically  as  the  national  banks  are  required  to  make  to  the  Comptroller 
of  the  Currency,  and  must  publish  such  statements  in  a  condensed  form,  as  pub- 
lished by  said  national  banks,  and  the  Auditor  is  required  to  call  for  such  state- 
ments, whenever  the  Comptroller  of  the  Currency  calls  on  the  national  banks  for 
such  statement.«. 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  149 

VIRGINIA— CONTINUED. 

Exemptions. — A  householder,  the  head  of  a  family,  is  entitled  to  have  real  and  personal 
property  exempt  to  the  value  of  $3,000.  And  in  case  of  householder  or  head  of  a 
family,  all  wages  not  exceeding  $50  a  month  are  exempt.  The  homestead  claimed 
to  be  exempt  must  be  described  in  a  writing  signed  by  the  householder  and  duly 
admitted  to  record  in  the  county  or  corporation  wherein  the  property  claimed  is 
located. 

Interest. — Six  per  cent. ;  all  contracts  for  more  are  void,  except  as  to  principal  sum. 

Legal  Holidays. — Sunday,  January  1,  January  19  (General  Lee's  birthday),  February 
22,  July  4,  December  25,  Thanksgiving,  fasting  and  prayer,  Labor  Day. 

Limitation  of  Actions. — Upon  any  contract  by  writing  under  seal,  within  ten  years; 
upon  an  award,  or  upon  a  contract  by  writing,  signed  by  the  party  to  be  charged 
thereby,  or  by  his  agent,  but  not  under  seal,  within  five  years  ;  if  it  be  upon  an  oral 
contract,  express  or  implied,  for  articles  charged  in  a  store  account,  although  such 
articles  be  sold  on  a  written  order,  within  two  years  ;  and  if  it  be  on  any  other 
contract,  within  three  years. 

Notarial  Fees. — Protest  $1,  seal  $1,  and  for  each  notice  ten  cents. 

Notes  and  Bills  of  Exchange. — On  all  negotiable  notes  and  bills  payable  at  a  future 
day,  grace  is  allowed  according  to  custom  of  merchants.  No  grace  on  sight  drafts. 
Where  a  bill  of  exchange,  drawn  or  indorsed  within  this  State  is  protested,  the 
party  liable  for  the  principal  of  such  bill  shall,  in  addition,  pay  damages  upon  the 
principal  at  the  rate  of  threa  per  cent,  if  the  bill  is  payable  out  of  Virginia,  and 
within  the  United  States,  and  ten  per  cent,  if  payable  without  the  United  States. 
All  bills,  notes,  checks  and  other  negotiable  instruments  maturing  on  a  legal 
holiday  shall  become  due  on  the  secular  or  business  day  next  preceding. 

Stay  of  Executions.— Not  more  than  sixty  days  on  small  cases  before  Justices'  Courts. 

Transfer  of  Corporation  Stocks. — Shares  of  stock  maybe  transferred  on  the  books 
of  the  company  by  delivery  of  the  certificate  of  stock,  and  a  power  of  attorney 
authorizing  the  transfer. 


150 


THE    LEGAL   AND   FINANCIAL   LIGHTS  OF   AMERICA. 


WASHINGTON. 

County  Seat.          County.  NameofAtty.  Name  of  Bank.  Cashier. 

Asotin Asotin.  George  W.  Bailey  At  Union  Town,  First  State  Bk.       S.  Hilliard. 

Cascades Skamania.  W.  H.  Metcalf  See  Vancouver 

Catlilamet Wahkiakum.  J.  B.  Polwa  -th  At  Kelso,  Kelso  State  Bk.  T.  S.  Rolston. 

Chehalis Lewis.  Millett  &  Harmon  First  Natl.  Bk.  J.  Y.  Coffman. 

Colfax  Whitman.  Hanna,  McCroskey&Ettinger. Second  Natl.  Bk.  J.J.Humphrey, 

Colvllle   Stevens.  Samuel  Douglass  Bk.  of  Colville  C.  W.  Winter. 

Conconully — Okanogan.  Vacant  See  Colville 

Coupeville Island.  Thomas  Cranney  See  Port  Townsend 

Dayton  Columbia.  J.  A.  Kellogg  Columbia  Natl.  Bk.  F.  W.  Guernsey. 

Ellensburgu  ..Kittitass.  Snively  &  Lloyd  Ellensburg  Natl.  Bk.  J.T.M.Stoneroad. 

FrldayHartoorSan  Juan.  J.A.Gould  San  Juan  Co.  Bk.  J.A.Gould. 

Goldendale  . . .  .Klickitat.  G.  N.  Maddock  First  Natl.  Bk.  O.  D.  Sturgess. 

Kalama Cowlitz.  A.  H.  Imus  Cowlitz  Co.  Bk.  J.  P.  Atkin. 

Montesano Chehalis.  George  D.  Schofield  Bk.  of  Montesano  Chas.  H.  Lamp. 

Mt.  Vernon .  ..Skagit.  Frank  Quimby  First  Natl.  Bk.  C.  S.  Moody. 

North  YakiiuaYakiinu.  Jones  &  Newman  Yakima  Natl.  Bk.  J.  D.  Cornett. 

Olympla Thurston.  Daniel  Gaby  Capital  Natl.  Bk.  W.  J.  Foster. 

Pasco.., Franklin.  F.  P.  Speck  See  Walla  Walla 

Pomeroy Garfield.  S.  G.  Cosgrove  First  Natl.  Bk.  G.L.Campbell. 

Port  Angeles.. Clallam.  George  C.  Hatch  Bk.  of  Clallam  Co.  C.  E.  Mallette. 

Port  Orcliard.Kitsap.  G.  H.  Elder  See  Seattle 

Pt.  Townsend.Jefferson.  Carroll  &  Rohde  Merchants  Bk.  N.  C.  Strong. 

Ritzville Adams.  P.  D.  Oliphant  Adams  Co.  Bk.  Benjamin  Martin. 

Seattle King.  Carr  &  Preston  First  Natl.  Bk.  Lester  Turner. 

Shelton Mason.  H.  S.  Tremper  State  Bk.  of  Shelton  J.  D.  Riley. 

Snohomiwli Snohomish.  Coleman  &  Hart  First  Natl.  Bk.  Wilson M.  Snyder 

South  Bend. . .  .Pacific.  Rice  &  Davis  First  Natl.  Bk.  K.  A.  Carney. 

Spokane Spokane.  McBroom  &  McBroom  Traders  Natl.  Bk.  C.  E.  McBroom. 

Sprague Lincoln.  D.  Higgins  First  Natl.  Bk.  W.  B.  Lottman. 

Tacoma Pierce.  Thomas  Carroll  Pacific  Natl.  Bk.  L.  R.  Manning. 

Vancouver Clarke.  E.  E.  Coovert  First  Natl.  Bk.  E.  L.  Canby. 

Walla  Walla.. Walla  Walla.  B.  L.  &  J.  L.  Sharpstein        Beker-Boyer  Natl.  Bk.  H.  E.  Johnson. 

Waterville  . . .  .Douglas.  W.  A.  Rencan  First  Natl.  Bk.  A.  E.  Case. 

Wliatcom Whatcom.  Chas.  I.  Roth  At  Fairhaven,  Citizens  Bk.  H.  W.  Kinney. 


DIGEST  OF  WASHINGTON  COMMERCIAL  LAWS. 

Assignment*. — Insolvent  debtor  may  be  discharged  from  debts  upon  executing  an  assign- 
ment of  all  his  property  for  benefit  of  his  creditors,  if  done  in  good  faith,  and  with- 
out fraud. 

Attachments. — Attachments  may  be  issued  when  the  defendant  is  a  foreign  corporation  ; 
or  is  not  a  resident  of  this  State  ;  or  conceals  himself  so  that  the  ordinary  process  of 
law  cannot  be  served  upon  him  ;  or  has  absconded  or  absented  himself  from  his 
usual  place  of  abode  in  this  State,  so  that  the  ordinary  process  of  law  cannot  be 
served  upon  him  ;  or  has  removed  or  is  about  to  remove  any  of  his  property  from 


THE   LEGAL  AND  FINANCIAL   LIGHTS   OF   AMERICA.  151 

WASHINGTON— CONTINUED. 

this  State,  with  intent  to  delay  or  defraud  his  creditors  ;  or  has  assigned,  secreted 
or  disposed  of,  or  is  about  to  assign,  secrete  or  dispose  of  any  of  his  property,  with 
intent  to  delay  or  defraud  his  creditors .  or  is  about  to  convert  his  property  or  a 
part,  thereof,  into  money,  for  the  purpose  of  placing  it  beyond  the  reach  of  his 
creditors ;  or  has  been  guilty  of  a  fraud  in  contracting  the  debt,  or  incurring  the 
obligation  for  which  the  action  is  brought  ;  or  that  the  damages  for  which  the 
action  is  brought  are  for  injuries  arising  from  the  commission  of  some  felony. 

Bank  Laws. — Two  or  more  persons  may  be  chartered  as  a  bank  by  subscribing  articles 
of  incorporation  in  triplicate  ,  one  of  which  must  be  filed  with  the  Secretary  of  the 
Treasury,  one  with  the  County  Auditor  of  the  County  where  the  bank  is  to  be 
located,  and  the  other  is  retained  by  the  corporation.  The  minimum  capital  stock 
is  $25,000,  divided  into  shares  of  $100  each.  The  whole  must  be  subscribed  for, 
and  three-fifths  must  be  paid  in  before  the  bank  begins  business,  the  remainder 
being  subject  to  the  call  of  the  trustees.  Stockholders  are  individually  ratably 
liable  for  all  the  debts  accruing  while  they  remain  stockholders  to  the  extent  of  the 
par  value  of  their  stock  in  addition  to  the  amount  invested  therein.  On  the  first 
Monday  in  June  of  each  year  the  bank  is  required  to  file  with  the  Auditor  a  report 
of  its  affairs. 

Exemptions. — To  every  householder  being  the  head  of  a  family,  a  homestead  to  the 
value  of  $1,000  is  exempt  (a  homestead  may  consist  of  a  house  and  lot  or  lots,  or  a 
farm) ;  also  personal  property  to  the  value  of  $750.  A  homestead  may  be  mort- 
gaged. 

Interest. — Legal  rate  of  interest  is  8  per  cent,  per  annum,  and  any  rate  agreed  upon 
is  legal.  Judgments  bear  the  legal  rate  of  interest.  There  is  no  usury  law. 

Legal  Holidays. — Sunday,  January  1,  February  22,  Decoration  Day,  July  4,  September  1, 
December  25,  Thanksgiving,  Days  of  general  and  special  election  for  State  and 
National  officers,  Labor  Day. 

Limitation  of  Actions. — Upon  a  contract  in  writing,  or  liability,  express  or  implied, 
arising  out  of  a  written  agreement  ;  or  for  the  rents  and  profits  or  for  the  use  and 
occupation  of  real  estate,  must  each  be  commenced  within  six  years.  Actions  on  a 
contract,  express  or  impelied,  not  in  writing,  for  relief,  on  the  ground  of  fraud, 
and  for  torts  generally,  must  be  commenced  within  six  years. 

Married  Women. — No  law. 
Notarial  Fees.— Protest  $2.50. 

Notes  and  Bills  of  Exchange. — Promissory  notes  payable  to  order  or  bearer  have  the 
same  effect  and  are  negotiable  in  like  manner  as  inland  bills  of  exchange,  according 
to  the  custom  of  merchants.  Three  days  of  grace  are  allowed  on  bills  of  exchange 
payable  at  sight,  and  all  negotiable  promissory  notes,  orders  or  drafts  payable  at  a 
future  day  certain,  unless  there  is  an  express  stipulation  to  the  contrary.  Paper 
maturing  on  a  legal  holiday  becomes  due  the  day  before.  No  person  within  the 
State  shall  be  charged  as  an  acceptor  of  a  bill  of  exchange,  unless  his  acceptance 
shall  be  in  writing,  signed  by  himself  or  his  authorized  agent.  If  such  acceptance 
be  written  on  a  paper  other  than  the  bill,  it  shall  not  bind  the  acceptor,  except  in 
favor  of  a  person  to  whom  such  acceptance  shall  have  been  shown,  and  who, 
on  the  faith  thereof,  shall  have  the  bill  for  a  valuable  consideration.  Every 
holder  of  a  bill,  presenting  the  same  for  acceptance,  may  require  that  the  accept- 
ance be  written  on  the  bill  ;  a  refusal  to  comply  with  such  request  shall  be  deemed  a 


152  THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 

WASHINGTON— CONTINU  ED. 

refusal  to  accept,  and  the  bill  may  be  protested  for  non-acceptance.  In  all 
promissory  notes  or  similar  instruments,  in  writing,  an  attorney's  fees  may  be 
allowed  when  specially  contracted  to  be  paid  by  the  terms  of  the  note. 

Transfer  of  Corporation  Stock*. — Transferable  in  such  manner  as  shall  be  pre- 
scribed by  the  by-laws  of  the  company,  by  no  transfer  shall  be  valid  except  ae 
between  the  parties  thereto  until  the  same  shall  have  been  entered  upon  the  books 
of  the  company  so  as  to  show  the  names  of  the  parties  by  and  to  whom  transferred 
the  numbers  and  designation  of  shares,  and  the  date  of  transfer. 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA 


153 


WEST  VIRGINIA. 


County  Seat.          County. 
BERKELEY  SPRINGSMorgan. 

Beverley Randolph. 

It  rax  t  o  ii Bnixton. 

It  u  <-k  !i  a  u  no  u .  .Upshnr. 

Charleston Kenawa. 

Charlestown  .  .Jefferson. 
Clarksburgh  .  .Harrison. 

Clay Clay. 

Elizabeth   ..   ..Win. 

Fairmont Marion. 

Falrview Hancock. 

Fayetteville. .  ..Fayette. 

Franklin Pendleton. 

Glenville Gilmer. 

Grafton Taylor. 

Cirantsvllle Calhoun. 

Ha  in  li  M Lincoln. 

Hinton Summers. 

Huntersvllle.  ..Pocahontas. 
Huntington. .  .Cabell. 

Jackson Jackson. 

Keyser Mineral. 

King  wood Preston. 

Lewisburgh . .  .Greenbrier. 
Logan Logan. 

M  a  d  iso  ii Boone. 

Martinsburgh.Berkely. 
Middlebourne  Tyler. 
Moorefield Hardy. 

Morgantown  .Monongalia. 

Moundsville. .  .Marshall. 

NEW  MARTiNSVJLLEWetzel. 

Oceaua Wyoming. 

Parkersburgh  Wood. 

Perry  vllle McDowell. 

Petersburg!! . .  .Grant. 

Phillippi Barbonr. 

PolntPleasantMason. 

Princeton Mercer. 

Raleigh Raleigh. 

Ritchie Ritchie. 

Romney Hampshire. 

St.  George Tucker. 

St.  Mary's Pleasants. 

Spencer Roane. 

Suminersville.  Nicholas. 

Union Monroe. 

"Wayne Wayne. 


Name  of  Atty. 

Name  of  Sank.                              Cashier. 

1.  H.  Siler 

Bk.  of  Berkeley  Springs                  A.M.  Mendendall. 

L.  0.  Strader 

See  Phillippi 

L.  M.  Wade 

At  Sutton,  Sutton  Bk.                       T.  M.  Berry. 

G.  M.  Fleming 

Traders  Natl.  Bk.                            P.  M.  Boggess. 

George  Baylor 

Charleston  Natl.  Bk.                        H.  L.  Prechard. 

T.  C.  Green 

Bk.  of  Charlestown                           Geo.A.  Porterfleld 

A.  C.  Moore 

Traders  Natl.  Bk.                            C.  Sprigg  Sands. 

C.  Pierson 

See  Charleston 

T.  A.  Brown 

At  Ravenswood.Bk.of  Ravenswood.J.  L.  Armstrong. 

A.  B.  Fleming 

First  Natl.  Bk.                                J.  E.  Sands. 

E.  G.  Smith 

At  New  Cumberland,  Citizens  Bk.   James  E.  Brandon 

Isabel!  &  Dillon 

See  Charleston 

D.  G.  McChing 

Farmers  Bk.  of  Pendleton               Frank  Anderson. 

Linn  &  Withers 

See  Weston 

W.  R.  D.  Dent 

First  Natl.  Bk.                                  L.  Mallonee. 

Linn  &  Hamilton 

See  Spencer 

A.  F.  Morris 

See  Charleston 

Thompson  &  Lively 

Bk.  of  Hinton                                    E.  O.  Prince. 

H.  S.  Rucker 

See  Lewisburgh 

Vinson  &  Thompson 

Huntington  Natl.  Bk.                        James  K.  Oney. 

Warran  Miller 

Bk.  of  Ripley                                  H.  F.  Pfost. 

F.  M.  Reynolds 

Keyser  Bk.                                        J.  T.  Carskadon. 

Brown  &  Hyde 

Bk.  of  Kingwood                              J.  W.  Parks. 

Alex.  F.  Mathews 

Bk.  of  Lewisburgh                          J.  W.  Mathews. 

John  B.  Wilkinson 

At  Williamson,  Bk.of  Williamson.  Hiram  Williamson 

J.  E.  Stollings 

See  Charleston 

Flick  &  Westenhaver 

Peoples  Natl.  Bk.                             F.  E.  Wilson. 

Engle  &  Riggie 

At  Sistersville,  Tyler  Co.  Bk.          A.  C.  Jackson. 

Benjamin  Dailey 

South  Branch  Valley  Natl.  Bk.         J.  W.  Gilkeson. 

Cox  &  Baker 

Bk.  of  Monongahela  Valley             E.  H.  Combs. 

J.  L.  Parkinson 

Marshall  Co.  Bk.                              H.  W.  Hunter. 

W.  S.  Wiley 

Wetzel  Co.  Bk.                                  J.  E.  Bartlett. 

L.  L.  Chambers 

At  Williamson,  Bk.  of  Williamson.  HiramWilliamson 

Vandervort  &  Moats 

Citizens  Natl.  Bk.                            C.  H.  Shattnck. 

W.  P.  Payne 

At  Bramwell,  Bk.  of  Bramwell          Isaac  T.  Mann. 

Reynolds  &  Forman 

See  Moorefield 

Dayton  &  Dayton 

Tygarts  Valley  Bk.                          J.  F.  Manown. 

Tomlinson  &  Wiley 

Merchants  Natl.  Bk.                        C.  C.  Bowyer. 

Johnston  &  Hale 

Princeton  Bkg.  Co.                          H.Scott. 

J.  H.  McGinnis 

See  Hinton 

Thomas  E.  Davis 

See  West  Union 

H.  B.  Gilkerson 

Bk.  of  Romney                                  J.  T.  Vance. 

Lipscomb  &  Lipscomb 

At  Piedmont,  Davis  Natl.  Bk.          U.  B.  McCandlish 

August  M.  Campbell 

See  Parkersburgh 

Wells  &  Pendleton 

Bk.  of  Spencer                               John  Claypool. 

R.  A.  Kincaid 

See  Charleston 

Logan  &  Patton 

Bk.  of  Union                                   JamesW.McNeer. 

B.  J.  Pritchard 

See  Huntington 

154 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 


WEST  VIRGINIA— CONTINUED. 


County  Seat.          County. 

"Webster Webster. 

Wells  burgli  . .  .Brooke. 

Weston Lewis. 

"West  Union Doddridge. 

Wheeling Ohio. 

Wlnfield Putnam. 


Name  of  Atty. 
C.  P.  Door 
John  C.  Palmer 
Andrew  Edmiston 
J.  V.  Blair 
W.  P.  Hubbard 
J.  H.Nash 


Name  of  Bank. 
See  Buckhannon 
Wellsburgh  Natl.  Bk. 
Citizens  Bk. 
West  Union  Bk. 
Bk.  of  Wheeling 
See  Charleston 


Cashier. 

E.  W.  Paxton. 
D.  W.  Bailey. 
P   M.  Robinson 
Joseph  Seybold. 


DIGEST  OF  WEST  VIRGINIA  COMMERCIAL  LAWS. 

Assignments. — Assignments  can  be  made  for  the  benefit  of  creditors  without  preference. 

Attachments. — Attachments  will  issue  when  defendant  is  a  foreign  corporation,  or  is  a 
non-resident,  or  has  left  or  is  about  to  leave  the  State  with  intent  to  defraud  his 
creditors  ;  or  so  conceals  himself  that  a  summons  cannot  be  served  upon  him,  or  is 
removing  or  is  about  to  remove  his  property,  or  a  part  thereof,  out  of  this  State  with 
like  intent ;  or  is  converting  or  about  to  convert  his  property,  or  a  part  thereof,  into 
money  or  securities  with  like  intent ;  or  has  assigned  or  disposed  of  his  property, 
or  a  part  thereof,  or  is  about  to  do  so  with  like  intent ;  or  has  property  or  rights  in 
action,  which  he  conceals  ;  or  that  he  fraudulently  contracted  the  debt  or  incurred 
the  liability. 

Bank  Laws. — State  banks  may  be  chartered.  Stockholders  are  liable  to  extent  of 
stock  held  by  them,  and  an  equal  additional  amount  for  debts  accruing  while  they 
are  such  stockholders.  Such  double  liability  does  not  extend  to  stockholders  in 
other  corporations  than  banks.  Embezzlement  is  larceny  and  punishable  as  such. 
Fraudulent  false  entries  by  bank  officer,  felony.  Title  and  trust  companies  are 
authorized  to  do  a  general  banking  business.  The  State  Bank  Examiner  is  re- 
quired, between  April  and  November,  to  examine  the  condition  of  each  bank  and 
publish  a  statement  in  the  county  where  the  bank  is  located. 

Exemptions. — A  resident  husband  or  parent,  or  the  infant  children  of  deceased  parents, 
may  have  personal  property  not  exceeding  $200  in  value,  exempt  from  forced  sales  ; 
and  since  1872,  such  husband  or  parent,  or  the  guardian  of  such  infants,  may  have 
recorded  a  claim  of  homestead,  not  exceeding  $1,000  in  value,  as  exempt  from, 
liability  for  debts,  except  such  as  were  incurred  for  the  purchase  of  such  property, 
or  for  permanent  improvements  or  taxes  thereon.  Any  resident  mechanic,  artisan, 
or  laborer,  whether  a  husband,  or  parent,  or  not,  may  hold  the  working  tools  of  his 
trade  or  occupation  exempt  to  the  extent  of  $50,  but  not  so  as  in  any  case  to  allow 
more  than  $200  exemption  of  personal  property  to  one  person. 

Interest.— Legal  rate  is  6  per  cent.  Though  a  higher  rate  may  be  agreed  upon,  the  ex 
cess  may  be  avoided  on  a  plea  of  usury,  except  by  an  incorporated  company. 
Corporations  are  authorized  to  borrow  money  at  higher  rates.  Illegal  interest  paid 
may  be  recovered  within  five  years. 

Legal  Holidays. — Sunday,  January  1,  February  22,  July  4,  December  25,  or  a  day  of 
national  thanksgiving,  Labor  Day. 


THE    LEGAL   AND  FINANCIAL   LIGHTS   OF   AMERICA.  155 

WEST  VIRGINIA— CONTINUED. 

Limitation  of  Actions. — Store  account,  three  years  ;  accounts  concerning  trade  be- 
tween merchants,  five  years;  contract,  not  in  writing,  or  in  writing  and  not  under 
seal,  five  years ;  contracts  under  seal,  twenty  years  ;  contracts  in  writing,  whether 
under  seal  or  not,  ten  years. 

Notarial  Fees. — Protest  $1.00  and  ten  cents  for  each  notice  and  postage. 

Xotes  and  Bills  of  .Exchange. — Every  promissory  note  or  check  for  money  payable 
in  this  State  at  a  particular  bank,  or  at  a  particular  office  thereof,  for  discount  and 
deposit,  and  every  inland  bill  of  exchange  payable  in  this  State,  shall  be  deemed 
negotiable.  Three  days  of  grace  are  allowed.  Commercial  paper  falling  due  on  a 
holiday  is  payable  on  the  preceding  day.  When  a  bill  of  exchange  drawn  or  in 
dorsed  within  this  State  is  protested  for  non  acceptance  or  non-payment,  there  shall 
be  paid  by  the  party  liable  for  the  principal  of  such  a  bill,  in  addition  to  what  else 
he  is  liable  for,  damages  upon  the  principal  at  the  rate  of  three  per  cent.,  if  pay- 
able out  of  the  State  and  within  the  United  States,  and  ten  per  cent.,  if  payable 
without  the  United  States. 

Stay  of  Executions.— Under  $50,  two  months  ;  $50  to  $100,  five  months  ;  over  $100, 
six  months. 

Transfer  of  Corporation  Stocks. — On  the  books,  but  if  stock  is  transferred  by  de- 
livery of  certificate  with  power  of  attorney  authorizing  the  transfer  on  the  books, 
(which  power  of  attorney  is  usually  endorsed  on  certificate)  the  title  is  vested  in  the 
transferee  not  only  as  between  the  parties  themselves,  but  also  as  against  the 
creditors  of,  and  subsequent  purchaser  from  the  former  owner. 


156 


THE   LEGAL   AND  FINANCIAL   LIGHTS   OF   AMERICA. 


WISCONSIN. 


County  Seat.  County. 

Alma Buffalo. 

Aiitigo Langlade. 

Appleton Ontagamie. 

Ashland Ashland. 

Baraboo Sank. 

Ban-on Barren. 

Baylield Bayfleld. 

BLACK  RIVER  FALLSJackson. 

Chllton Calumet. 

CHIPPEWA  FALLS  .Chippevva. 

Crandon Forrest. 

Darlington Lafayette. 

Bar  I  lord Green  Lake. 

Dodgeville Iowa. 

JUu  ra  nd Pepin. 

Eagle  River  . . .  Vilas. 

Ha  11  Claire Eau  Claire. 

Elkoru Walworth. 

KllsAvortli Pierce. 

Florence Florence. 

Foiid  du  Lac.. Fond  du  Lac 
Friendship  — Adams. 
Grand  Rapids. Wood. 

lira  til  Kburg Burnett. 

-Green  Bay Brown. 

Hay  ward Sawyer. 

Hudson Saint  Croix. 

Hurley Iron. 

Jauesville Hock. 

Jefferson Jefferson. 

J  uiicau Dodge, 

Kenosha  Kenosha. 

Ke  wauiiee Kewaunee. 

L.a  Crosse La  Crosse. 

Lancaster Grant. 

Madison Dane. 

Manito  voc Manitovoc. 

Marl  ne  tte Marinette. 

Mansion Juaeau. 

Medford Taylor. 

Menonionie Dunn. 

Merrill Lincoln. 

Milwaukee Milwaukee. 


Monroe Green. 

Montello Marquette. 

Neillsville Clark. 


Name  of  Atty. 

Name  of  Bank. 

Cashier. 

Robert  Lees. 

Exchange  Bk. 

Hunner&Ginzkey 

J.  H.  Trevor. 

Bk.  of  Antigo 

E.  E.  Buckman. 

F.  W.  Harriman. 

First  Natl.  Bk. 

Herman  Erb. 

Tompkins  &  Merrill. 

Ashland  Natl.  Bk. 

N.  I.  Willey. 

R.  D.  Evans 

Bk.  of  Baraboo 

J.  Van  Orden. 

J.  F.  Coe 

Bk.  of  Barron 

J.  F.  Coe. 

W.  W.  Downs 

Lumbermans  Bk. 

A.  H.  Wilkinson. 

B.  J.  Castle 

First  Natl.  Bk. 

W.  H.  Richards. 

John  E.  McMullen 

German  Exchange  Bk. 

Henry  Kersten. 

Jenkins  &  Jenkins 

Lumbermans  Natl.  Bk. 

S.  B.  Nimmons. 

John  Barnes 

See  Rhinelander 

Wilson  &  Martin 

First  Natl.  Bk. 

T.  C.  L.  Mackay. 

J.  C.  McConnell 

At  Princeton,  Princeton  State  Bk. 

J.  E.  Leimer. 

Jenks  &  Jones 

Dodgeville  Bk. 

S.W.  Reese&Son. 

W.  E.  Plummer 

Bk.  of  Durand 

J.  E.  Wise. 

N.  A.  Coleman 

Bk.  of  Eagle  River 

McKenzie&Morey 

J.  C.  Gores 

Bk.  of  Eau  Claire 

C.  W.  Lockwood. 

J.  B.  Wheeler 

First  Natl.  Bk. 

Fred.  W.  Isham. 

J.  W.  Hancock 

Bk.  of  Ellsworth 

Oriu  Lord. 

J.  E.  Abbott 

State  Bk.  of  Florence 

E.  E.  Wilcox. 

!.  E.  S.  Bragg 

Fond  du  Lac  Natl.  Bk. 

G.  A.  Knapp. 

J.  A.  Gunning 

See  Mauston 

Gardiner  &  Gaynor 

First  Natl.  Bk. 

B.  T.  Harmon. 

T.  Grettum 

See  Shell  Lake 

Greene  &  Vroman 

Kellogg  Natl.  Bk. 

H.  B.  Baker. 

John  F.  Riordam 

Sawyer  Co.  Bk. 

R.  L.  McCormick 

Humphrey  &  Arnquist 

First  Natl.  Bk. 

D.  C.  Fulton. 

Foster  &  Bushnell 

Iron  Exchange  Bk. 

W.  S.  Reynolds. 

Smith  &  Phelps 

Rock  Co.  Natl.  Bk. 

A.  P.  Burnham. 

George  Grimm 

Jefferson  Co.  Bk. 

John  Reinel. 

K.  C.  Lewis 

Citizens  Bk. 

Theo.  P.  Henimy. 

Cavanagh  &  Fisher 

First  Natl.  Bk. 

Chas.  C.  Brown. 

Wing  &  Wattawa 

Bk.  of  Kewaunee. 

John  Pecka. 

Benjamin  F.  Bryant 

La  Crosse  Natl.  Bk. 

Geo.  W.  Burton. 

Bushnell,  Watkins  &  Moses.State  Bk.  of  Grant  Co. 

Joseph  Pock. 

George  W.  Bird 

First  Natl.  Bk. 

WTayne  Ramsey. 

Nash  &  Nash 

Manitovoc  Savings  Bk. 

Louis  Schuette. 

J.  B.  Fairchild 

Stephenson  Natl.  Bk. 

L.  A.  McAlpine. 

H.  W.  Barney 

Jeff.  T.  Heath  &  Co. 

G.  W.  Adams 

State  Bk.  of  Medford 

C.  L.  Alverson. 

Hunt  &  Freeman 

First  Natl.  Bk. 

W.  C.  McLean. 

Curtis  &  Reed 

First  Natl.  Bk. 

J.  W.  Ladd. 

N.  Pereles  &  Sons 

First  Natl.  Bk. 

F.  J.  Kipp. 

P.  J.  Clawson 

First  Natl.  Bk. 

C.  W.  Twining. 

John  Barry 

Bk.  of  Montello 

M.  H.  Barry. 

O'Neill  &  Marsh 

Neillsville  Bk. 

Joseph  Morley. 

THE   LEGAL  AND   FINANCIAL    LIGHTS  OF   AMERICA. 


157 


WISCONSIN— CONTINUED. 


County  Seat.          County.  NameofAtty. 

Oconto  Oconto.  W.H.Webster 

Osceola  Millet.  .Polk.  Chas.  H.  Oakley 

Oshkosb Winnebago.  Bouck  &  Hilton 

Phillips Price.  M.Barry 

Portage Columbia.  W.  S.  Stroud 

PORT  WASHINGTONOzaukee.  H.  B.  Schwin 

PRAIRIE  OU  CHIEN.Crawford.  D.  Webster 

Racine   Racine.  Hand  &  Fleet 

Rhinclander  ..Cneida.  Alban  &  Barnes 

HIGHLAND  CENTRE. Kichland.  Miner  &  Miner 

Sliawaiio Shawano.  J.  C.  Dickinson 

Sheboygan Sheboygan.  F.  R.  Williams 

Shell  Lake Washburn.  L.  H.  Mead 

Sparta Monroe.  C.  M.  Masters 

Stevens  PoInt..Portage.  James  0.  Raymond 

Sturgeon  Bay. Door.  R.  P.  Cody 

Superior Douglas.  Pickering  &  Hartley 

Vlroqua Vernon.  C.  J.  Smith 

Wauke&ha Wankesha.  Ryan  &  Merton 

Waupaka Waupaka.  Irving  P.  Lord 

Wausau Marathon.  Silverthorn,  Hurley,  Ryan 

&  Jones 

Wantoma Wauehara.  L.  L.  Soule 

West  Bend Washington.  Frisby  &  Miller 

Whitehall Trempealeau.H.  A.  Anderson 


Name  of  Bank. 
Oconto  Natl.  Bk. 
Bk.  of  Osceola 
Natl.  Bk.  of  Oshkosh 
State  Bk.  of  Phillips 
First  Natl.  Bk. 
German  American  Bk. 
Bk.  of  Prarie  du  Chien 
Manufacturers  Natl.  Bk. 
First  Natl.  Bk. 
Richland  Co.  Bk. 
Shawano  Co.  Bk. 
Bk.  of  Sheboygan 
Shell  Lake  Savings  Bk. 
Bk.  of  Sparta 
First  Natl.  Bk. 
Bk.  of  Sturgeon  Bay 
Bk.  of  Superior 
Bk.  of  Viroqua 
Waukesha  Natl.  Bk. 
Natl.  Bk.  of  Waupaka 
First.  Natl.  Bk. 

At  Plainfield.  Bk.  of  H.  N.  Drake 
Bk.  of  West  Bend 
Bk.  of  John  0.  Melby  &  Co. 


County. 

Wm.  K.  Smith. 
H.  C.  Harding. 
Chas.  Schriber. 
E.  H.  Winchester. 
E.  A.  Gowran. 
Odier  &  Clark. 

E.  I.  Kidd. 

B.  B.  Northrop. 
W.  E.  Ashton. 
J.  H.  Yearman. 

F.  W.  Humphrey. 
Julius  Kroos. 
Lewis  Larsen. 

H.  E.  Canfleld. 
W.B.Buckingham 
James  Keogh. 
John  A.  Bardon. 
E.  H.  Craig. 
H.  M.  Frame. 
W.  B.  Baker. 
A.  H.  Grout. 

E.  Franckenberg. 
Anton  O.  Melby. 


DIGEST  OF  WISCONSIN  COMMERCIAL  LAWS. 

Assignments. — An  assignment  carries  all  the  property,  real  and  personal,  of  the  assignor, 
excepting  his  exemptions.  Wages  of  employes  for  three  months  are  preferred  by 
law,  and  for  six  months  may  be  preferred  by  insolvent.  All  other  claims  pro  rata, 
and  other  preferences  void  the  assignment. 

Attachments. — Attachment  is  authorized  when  the  defendant  has  absconded  or  is  about 
to  abscond  the  State,  or  is  concealed  therein  to  the  injury  of  his  creditors,  or  keeps 
himself  concealed  therein  with  intent  to  avoid  service  of  summons  ;  has  assigned, 
conveyed,  disposed  of  or  concealed  his  property,  or  some  part  of  it,  or  is  about  to  do 
so,  with  intent  to  defraud  his  creditors  ;  has  removed  or  is  about  to  remove  any  of 
his  property  out  of  the  State  with  intent  to  defraud  his  creditors  ;  fraudulently 
contracted  the  debt  or  incurred  the  obligation  respecting  which  the  action  is 
brought ;  or  is  a  non-resident  of  the  State  or  is  a  foreign  corporation,  or  if  a  domestic 
corporation,  that  all  of  the  proper  officers  to  serve  summons  upon  are  non-resident 
or  cannot  be  found,  or  do  not  exist. 

Bank  Laws. — Any  number  of  persons  may  associate  themselves  together  to  form  a  bank 
of  discount,  deposit  and  circulation  with  an  aggregate  capital  of  not  less  than  $25,- 
000  or  more  than  $500,000.  Such  bank  must  be  located  in  a  city,  village  or  town- 
ship containing  at  least  200  hundred  voters.  It  cannot  issue  circulating  notes  ex- 


158  THE   LEGAL   AND   FINANCIAL   LIGHTS    OF   AMERICA, 

WISCONSIN— CONTINUED. 

ceeding  the  capital,  and  must  have  at  least  $15,000  actually  paid  in  and  employed 
in  the  banking  business.  The  State  Treasurer  is  ex-officio  Banking  Comptroller, 
and  issues  bank  notes  to  the  banks  in  sums  not  exceeding  the  amount  of  the  United 
States  or  State  bonds  deposited  with  him  in  trust  as  security  for  the  payment  of 
said  notes,  and  the  directors  or  stockholders  of  the  bank  must  give  bonds  with 
sureties  resident  in  Wisconsin  to  the  amount  of  one-fourth  of  the  notes  issued.  A 
correct  list  of  the  shareholders  of  each  bank  is  required  to  be  filed  in  the  office  of  the 
Register  of  Deeds  of  the  county  where  the  bank  is  located,  and  also  in  the  office  of 
the  Comptroller  on  the  first  Monday  of  January  and  July  annually,  at  which  time 
a  report  must  also  be  made  under  oath  by  the  President  or  Cashier  to  the  Comp- 
troller concerning  the  bank's  affairs,  which  it  is  his  duty  to  publish  in  a  newspaper 
at  the  capital  of  the  State.  He  must  also  transmit  to  the  Legislature  a  summary  of 
the  condition  of  all  banks  in  the  State,  and  must  publish  a  statement  of  the  financial 
condition  of  every  bank,  which  must  be  furnished  him  by  its  officers.  Stockholders 
are  liable  only  to  the  amount  of  the  shares  respectively  held  by  them.  Private 
banking  is  permitted,  without  State  control  or  interference,  apart  from  the  usual 
civil  and  criminal  liabilities  and  remedies,  except  that  the  name  of  the  person  or 
firm  must  be  displayed.  Most  banking  not  under  National  charters  is  so  con- 
ducted. 

Exemptions. — Exemption  from  execution  extends  to  forty  acres  of  agricultural  lands,  or 
one-fourth  acre  of  village  or  city  property,  to  be  selected  by  debtor,  together  with 
dwelling  house  and  its  appurtenances.  Proceeds  of  sale  of  homestead  are  exempt 
for  two  years  while  held  in  good  faith  with  intent  to  procure  another  therewith. 

Interest. — Legal  rate  is  6  per  cent,  with  right  of  contract  in  writing  as  high  as  10 ;  penalty 
for  higher  rate  is  a  forfeiture  of  all  interest.  Any  person  having  paid  excessive  in- 
terest may  recover  back  treble  the  excess  paid  by  action  brought  within  one  year 
after  payment.  Corporations  are  barred  from  pleading  the  defense  of  usury. 

Legal  Holidays.— Sunday,  January  1,  February  22,  May  30,  June  10,  July  4,  December 
25,  Thanksgiving,  Labor  Day,  every  general  election  day  and  any  day  appointed 
by  the  Governor  or  the  President  for  Thanksgiving. 

Limitation  of  Actions. — Within  twenty  years:  actions  upon  any  judgment  of  a  Court  of 
Record,  sitting  without  this  State,  and  actions  upon  sealed  instruments  accruing 
within  this  State  not  hereafter  mentioned.  Within  ten  years  :  actions  upon  sealed 
instruments  accruing  without  this  State,  excepting  those  hereinafter  mentioned. 
Within  six  years:  actions  upon  judgments  of  Courts  not  of  Record,  upon  any  con- 
tract for  payment  of  money,  sealed  or  unsealed,  issued  by  any  town,  county,  city, 
village  or  school  district ;  upon  any  other  contract,  obligation  or  liability  created  by 
statute,  excepting  penalties  and  forfeitures,  where  no  other  limitation  is  provided 
by  law.  No  evidences  of  debt  issued  by  any  bank  are  barred  by  statute. 

Married  Women. — All  property  of  the  wife's  at  marriage  with  all  revenues  therefrom, 
together  with  what  she  acquires  after  marriage  by  inheritance,  gift,  grant,  devise  or 
bequest,  from  any  person  other  than  her  husband,  is  her  separate  estate.  She 
may  sue  and  be  sued  alone  when  the  action  concerns  her  separate  property  or  busi- 
ness. 

Notarial  Fees.— Protest  $1.00  and  twenty-five  cents  for  each  notice  and  postage. 

Kotes  and  Bills  of  Exchange. — The  common  law  prevails  as  to  the  negotiability, 
protest,  and  rights  and  liabilities  of  the  various  parties  to  them.  Warehouse  receipts 
are  negotiable  unless  expressed  not  to  be.  Municipal  bonds  are  not  negotiable, 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OP   AMERICA  159 

WISCONSIN— CONTINUED. 

unless  expressly  authorized  to  be.  Days  of  grace  have  been  abolished  by  statute. 
Bills  of  exchange  and  promissory  notes  are  protested  for  non-acceptance  or  non- 
payment, and  written  notice  thereof  given  to  the  drawer,  maker  and  each  endorser, 
immediately  on  making  protest,  by  personal  delivery  or  by  mail,  postage  prepaid. 
Damages  on  foreign  bills,  five  per  cent.  One  action  may  be  brought  against  all 
parties  liable  on  a  note  or  bill.  Negotiable  paper  maturing  on  a  holiday  becomes 
due  on  the  next  preceding  secular  day. 

Stay  of  Executions.— On  Justices'  judgments  only  ;  under  $10,  one  month  ;  $10  to  $30, 
two  months ;  $30  to  $50,  three  months ;  over  $50,  four  months. 

Transfer  of  Corporation  Stocks. — Shares  of  stock  may  be  transferred  by  indorse- 
ment and  delivery,  which  will  transfer  the  title  to  a  bona  fide  purchaser  or  pledgee 
for  value  as  against  all  parties,  saving  the  right  of  the  corporation  to  treat  the 
holder  of  record  as  the  holder  in  fact  until  such  transfer  is  recorded  upon  the  books 
of  the  corporation,  or  a  new  certificate  is  issued.  If  the  Secretary  refuses  to  make 
proper  transfers  on  the  books,  the  Circuit  Court  may  grant  an  order  requiring  it. 


160 


THE    LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


WYOMING. 


County  Seat.          County. 

Buffalo Johnson. 

Casper Natrona. 

Cheyenne Laramie. 

Douglass Converse. 

Evaiiston Uinta. 

Green  River... Sweetwater. 

Lander  ^..Fremont. 

Laramle  City.. Albany. 

Newcastle Weston. 

Rawllns Carbon. 

Sheridan Sheridan. 

Sundance Crook. 

Not  Organized.Bighorn. 


Name  of  Atty. 
Charles  H.  Burritt 
C.  B.  Bradley 
Potter  &  Burke 
F.  H.  Harvey 
Clark  &  Beard 
L.  J.  Palmer 
J.  S.  Vidal 
R.  S.  Corthell 
R.  H.  Vosburgh 
Craig  &  Chatterton 
John  P.  Arnott 
Stoots  &  Harper 


National  Park 
Reservation. 


Name  of  Bank. 
First  Natl.  Bk. 
Bk.  of  W.  H.  Denecke  &  Co. 
Stock  Growers  Natl.  Bk. 
First  Natl.  Bk. 
Bk.  of  North  &  Stone 
Morris  Mercantile  Co. 
First  Natl.  Bk. 
Albany  Co.  Natl.  Bk. 
Bk.  of  Newcastle 
First  Natl.  Bk. 
First  Natl.  Bk. 
Bk.  of  John  W.  Rogers 


Cashier. 
W.  J.  Thorn. 
W.  A.  Denecke. 
J.  D.  Freeborn. 
H.  E.  Paul. 
Charles  Stone. 

S.  C.  Parks,  Jr. 
E.  Crumrine. 
Meyer  Frank. 
J.  C.  Davis. 
A.  S.  Burrows. 


DIGEST  OF  WYOMING  COMMERCIAL  LAWS. 

Assignments. — Any  debtor  may  make  a  general  assigment  of  all  his  property  in  trust  for 
the  benefit  of  his  creditors.  No  preferences  allowed. 

Attachments. — Attachment  may  be  had  where  the  debtor  is  a  foreign  corporation,  or  a 
non-resident  of  Wyoming,  or  is  about  to  become  a  non-resident  thereof ;  has 
absconded  with  intent  to  defraud  his  creditors ;  has  left  the  county  of  his  resi- 
dence to  avoid  the  service  of  summons ;  so  conceals  himself  that  service  of 
summons  cannot  be  had  upon  him  ;  is  about  to  remove  his  property,  or  a  part 
thereof,  out  of  the  jurisdiction  of  the  Court,  with  intent  to  defraud  his  creditors  ; 
is  about  to  convert  his  property,  or  any  part  thereof,  into  money,  for  the  purpose 
of  placing  it  beyond  the  reach  of  his  creditors  ;  has  property  or  rights  of  action 
which  he  conceals  ;  has  assigned,  removed,  or  disposed  of  his  property,  or  a  part 
thereof  with  intent  to  defraud  his  creditors  ;  fraudulently  or  criminally  contracted 
the  debt  for  which  suit  is  brought. 

Bank  L-aws. — Banks  may  be  incorporated  with  capital  not  less  than  $10,000  in  towns  of 
1,000  or  less  ;  not  less  than  $25,000  in  towns  from  one  thousand  to  two  thousand  ; 
not  less  than  $50,000  in  towns  from  2,000  to  5,000  ;  not  less  than  $100,000  in  towns 
over  5,000.  Savings  associations  may  incorporate.  Loan  and  trust  companies  may 
incorporate.  All  banks  are  required  to  make  full  statements  at  the  end  of  each 
quarter,  showing  their  resources  and  liabilities.  The  statement  is  required  to  be 
filed  in  the  office  of  the  County  Clerk  of  the  County  in  which  the  bank  does 
business,  and  in  the  office  of  the  Auditor  of  the  State.  In  the  case  of  a  corporation, 
the  report  must  be  published  in  a  newspaper. 

Exemptions. — Every  householder  in  Wyoming,  being  the  head  of  a  family,  is  entitled  to 
a  homestead  not  exceeding  in  value  the  sum  of  $1,500,  which  is  exempt  from 
execution  and  attachment  arising  from  any  debt,  contract,  or  other  obligation 
entered  into  or  incurred,  but  is  exempt  only  where  occupied  as  such  by  the  owner- 
thereof ,  or  the  person  entitled  thereto,  or  his  or  her  family. 


THE   LEGAL   AND   FINANCIAL  LIGHTS   OF   AMERICA.  161 

WYOMING— CONTINUED. 

Interest. — Legal  rate  is  12  per  cent.,  but  any  rate  maybe  agreed  upon  in  writing.  No 
usury  laws. 

Legal  Holidays.— Sunday,  January  1,  February  22,  May  30,  July  4,  Thanksgiving, 
December  25,  Election  Day. 

Limitation  of  Actions.— For  the  recovery  of  title,  or  possession  of  real  estate,  ten 
years ;  upon  a  specialty,  or  any  agreement,  contract  or  promise  in  writing,  five 
years.  But  on  all  foreign  claims,  judgments,  or  contracts,  expressed  or  implitd, 
contracted  or  incurred  before  the  debtor  becomes  a  resident  of  this  State,  within 
two  years  from  the  time  the  debtor  shall  have  established  his  residence  within  this 
State.  Upon  contracts  not  in  writing,  expressed  or  implied,  within  eight  years. 

Notarial  Fees. — Protest  $1.00,  seal  fifty  cents  and  for  each  notice  fifty  cents. 

Notes  and  Bills  of  Exchange. — Notes  and  bills  of  exchange  are  subject  to  a  State 
law  which  substantially  enacts  the  law  merchant.  Grace  is  allowed  on  negotiable 
instruments,  except  waived  in  note.  Paper  maturing  on  a  holiday  becomes  due 
the  day  preceding.  Damages  on  protested  bills,  12  per  cent. 

Transfer  of  Corporation  Stocks. — Shares  of  stock  may  be  transferred  in  any  man 
ner  provided  by  the  by-laws  of  the  corporation. 


162  THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 


DIPLOMATIC  SERVICE  OF  THE   UNITED  STATES. 

To  what  country  accredited.  Name  and  rank.  Residence. 

Argentine  Republic Win.  I  Buchanan,  E.  E.  &  M.  P Buenos  Ayres. 

George  W.  Fishbaek,  Sec.  of  Leg Buenos  Ayres. 

Austria-Hungary Bartlett  Tripp,  E.  E.  &  M.  P Vienna. 

Lawrence  Townsenol,  Sec.  of  Leg Vienna. 

Capt.  Joseph  H.  Dorst,  Mil.  Att Vienna. 

Lt.  C.  E.  Vreeland,  Nav.  Att Vienna. 

Belgium James  S.  Evving,  E.  E.  &M.  P Brussels. 

Lt.  Floyd  W.  Harris,  Mil.  Att Brussels. 

Bolivia Thomas  Moonlight,  E.  E.  &  M.  P La  Paz. 

Brazil Thomas  L.  Thompson,  E.  E.  &  M.  P Rio  de  Janeiro. 

William  Crichton,  Sec.  of  L<-g Rio  de  Janeiro. 

Chile Edward  H.  Strohel,  E.  E.  &  M.  P Santiago. 

Charles  R.  Simpkins,  Sec.  of  Leg Santiago. 

China Charles  Denby,  E.  E.  &  M.  P . .  .Peking. 

Charles  Denby,  Jr.,  Sec.  of  Leg Peking. 

Edward  K.  Lowry ,  2d  Sec.  of  Leg Peking. 

Fleming  D.  Cheshire,  Int Peking. 

Com.  Francis  M.  Barber,  Nav.  Att Peking. 

Colombia Luther  F.  McKinney.  E.  E.  &  M .  P Bogota. 

Jacob  Sleeper,  Sec.  of  Leg.  &  C.  G Bogota. 

Costa  Rica,  Nicaragua  and  Salvador — Lewis  Baker.  E.  E.  &  M.  P Managua. 

John  F.  Baker,  Sec.  of  Leg Managua. 

Denmark, John  E.  Risley,  E.  E.  &  M.  P Copenhagen. 

Ecuador James  D.  Tillman,  E.  E.  &  M.  P Quito. 

France James  B.  Eustis,  Ambassador  E.  &  P Paris. 

Henry  Vignaud,  Sec.  of  Leg Paris. 

Newton  B.  Eustis,  2d  Sec.  of  Leg Paris. 

Major  Sanford  C.  Kellogg,  Mil.  Att Paris. 

Lt.  R.  P.  Rodgers,  Nav.  Att Paris. 

Germany Theodore  Runyon,  Ambassador  E.  &  P Berlin. 

John  B.  Jackson,  Sec.  of  Embassy Berlin. 

Herbert  G.  Squiers,  2d  Sec.  of  Embassy Berlin. 

Lt.  Robert  K.  Evans,  Mil.  Att Berlin. 

Lt  C.  E.  Vreeland,  Nav.  Att Berlin. 

Great  Britain Thomas  F.  Bayard,  Ambassador  E.  &  P London. 

James  R.  Roosevelt,  Sec.  of  Embassy London. 

David  D.  Wells,  2d  Sec.  of  Leg London. 

Maj.  William  Ludlow,  Mil.  Att London. 

Lt.  Com.  William  S.  Cowles,  Nav.  Att London. 

Greece,  Roumania,  and  Servia Eben  Alexander,  E.  E.  &.  M.  P.  &.  C.  G Athens. 

Guatemala  and  Honduras Pierce  M.  B.  Young,  E.  E.  &  M.  P Guatemala. 

D.  Lynch  Pringle,  Sec.  of  Leg.  &  C.  G Guatemala. 

Haiti Henry  M.  Smythe,  Min.  Res.  &  C.  G.* Port-au-Prince. 

Hawaiian  Islands Alberts.  Willis,  E.  E.  &  M.  P Honolulu. 

Ellis  Mills,  Sec.  of  Leg.  &  C.  G.t Honolulu. 

Honduras  and  Guatemala Pierce  M.  B.  Young,  E.  E.  &  M.  P Guatemala. 

Italy Wayne  McVeagh,  Ambassador  E.  &  P Rome. 

Larz  Anderson,  Sec.  of  Embassy Rome. 

Capt.  George  F.  Scriven,  Mil.  Att Rome. 

Lt.  C.  E.  Vreeland,  Nav.  Att Rome. 

Japan Edwin  Dun,  E.  E.  &  M.  P Tokyo  (Yedo). 

J.  R.  Herod,  Sec.  of  Leg Tokyo  (Yedo). 

Stephen  Bonsai,  2d  Sec.  of  Leg Tokyo  (Yedo). 

Ransford  Stevens  Miller,  Jr.,  Int Tokyo  (Yedo). 

Com.  Francis  M.  Barber,  Ntv.  Att Tokyo  (Yedo). 

Korea JohnM.  B.  Sill,  Min.  Res.  &  C.  G Seoul. 

H.  N.  Allen,  Sec.  of  Leg4 Seoul. 

Pang  Kyeng  Hi,  Int Seoul. 

Ye  Ho  Yung,  Int Seoul. 

Liberia William  H.  Heard,  Min.  Res.  &  C.  G Monrovia. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA.  163 

Mexico Matt  W.  Ransom,  E.  E.  &  M.  P Mexico. 

E.G. Butler,  Sec.  of  Leg Mexico. 

Capt.  Charles  G.  Dwyer,  Mil.  Att Mexico. 

Netherlands William  E.  Quinby,  E.  E.  &  M.  P The  Hague. 

Nicaragua,  Costa  Rica,  and  Salvador. . . Lewis  Baker,  E.  E.  &  M.  P Managua. 

John  F.  Baker,  Sec.  of  Leg Managua. 

Paraguay  and  Uruguay Granville  Stuart,  E.  E.  &  M.  P Montevideo. 

Persia Alexander  McDonald,  Min.  Res.  &  C.  G Teheran. 

,  Int.  to  Leg.  &  C.  G Teheran. 

Peru James  A.  McKenzie,  E.  E.  &  M.  P Lima. 

Richard  R.  Neill,  Sec.  of  Leg Lima. 

Portugal George  W.  Caruth,  E.  E.  &  M.  P Lisbon. 

Roumania,  Greece,  and  Servia Eben  Alexander,  E.  E.  &  M.  P.  &.  C.  G Athens. 

Russia Clifton  R.  Breckinridge,  E.  E.  &  M.  P St.  Petersburg. 

H.  H.  D.  Pelrce,  Sec.  of  Leg St.  Petersburg. 

Lt.  R.  P.  Rodgers,  Nav.  Att St.  Petersburg. 

Salvador,  Costa  Rica,  and  Nicaragua —  Lewis  Baker,  E.  E.  &  M.  P Managua. 

John  F.  Baker,  Sec.  of  Leg Managua. 

Santo  Domingo Henry  M.  Smythe,  Charge  d' Affaires Port-au-Prince. 

Servia,  Greece,  and  Roumania Eben  Alexander,  E.  E.  &  M.  P.  &  C.  G Athens. 

Siam John  Barrett,  Min.  Res.  &  C.  G Bangkok. 

,  Int.  to  Leg.  &  C.  G Bangkok. 

Spain Hannis  Taylor,  E.  E.  &  M.  P Madrid. 

H.  Clay  Armstrong,  Jr.,  Sec.  of  Leg Madrid. 

1st  Lieut.  John  H.  H.  Peshine,  Mil.  Att Madrid. 

Sweden  and  Norway Thomas  B.  Ferguson,  E.  E.  &  M.  P Stockholm. 

Switzerland James  O.  Broadhead,  E.  E.  &  M.  P Berne. 

Turkey Alex.  W.  Terrell,  E.  E.  &  M.  P Constantinople. 

John  W.  Riddle.  Sec.  of  Leg Constantinople. 

A.  A.  Gargiulo,  Int Constantinople. 

Uruguayand  Paraguay Granville  Stuart,  E.  E.  &  M.  P Montevideo. 

Venezuela Allen  Thomas,  E.  E.  &  M.  P Caracas. 

W.  W.  Russell,  Sec.  of  Leg Caracas. 

Egypt Frederick  C.  Penfield,  Agt.  &  C.  G Cairo. 

*  Also  Charge  d'Affaires  to  Santo  Domingo.  t  Also  Consul-General  at  Honolulu, 

t  Also  Deputy  Consul-General . 


164 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 


UNITED    STATES    CONSULAR    SERVICE. 

The  letters  C.  G.  indicate  Consul-General ;  C.,  Consul;  V.  C.,  Vice-Consul;  C.  A.,  Commercial  Agent-  D  C 
Deputy  Consul;  Agt.,  Agent;  Mar.,  Marshall;  Int.,  Interpreter;  C.  C.,  Consular  Clerk. 


Place.  Name  and  Title. 

ARGENTINE  REPUBLIC. 

Buenos  Ayres Edward  L.  Baker C. 

do Lyman  Wallace  Chute V.  C. 

Bahia  Blanca Walter  T.  Jones Agt. 

Cordoba.... John  M.  Thome V.  C. 

Rosario Willis  E.  Baker C. 

do Augustus  M.  Barnes V.  C. 

AUSTRIA-HUNGARY. 

Budapest,  Hungary. . .  .Edward  P.  T.  Hammond C. 

do Louis  Gerster V.  &  D.  C. 

Fiume Giovanni  Gelletich Agt. 

Prague,  Bohemia Carl  Bailey  Hurst *C. 

do Emil  Kubinzky V.  C. 

Reichenberg,  Bohemia .  George  R.  Ernst C. 

do Fritz  Wagner V.  &  D.  C. 

Haida Anton  Schlessing Agt. 

Trieste,  Austria J.  Edward  Nettles C. 

do Basil  Bryce V.  &  D.  C. 

Vienna,  Austria Max  Judd C.  G. 

do DeanB.  Mason V.  C.  G. 

Brunn Gustavus  Schoeller Agt. 

Innsbruck August  Bargehr Agt. 

BELGIUM. 

Antwerp Harvey  Johnson C. 

do Louis  Hess V.  &  D.  C. 

do Stanislas  H.  Haine D.  C. 

Brussels George  W.  Roosevelt C. 

do Gregory  Phelan V.  &  D.  C. 

Charleroi J.  Fisher  Reese Agt. 

Ghent Heiiry  C.  Morris C. 

do George  Verhulat V.  C. 

Liege Henry  W.  Gilbert C. 

do John  Gross V.  &  D.  C. 

Verviers Henry  Dodt Agt. 

BOLIVIA. 

La  Paz Gera:do  Zalles V.  C. 

BRAZIL. 

Bahia Richard  P.  McDaniel C. 

do S.  8.  Schindler V.  C. 

Aracaju Luiz  Schmidt Agt. 

Para George  G.  Mathews,  Jr C. 

do Francisco  B.  da  S.  Aguiar.V.  C. 

Manaos George  Lomas Agt. 

Maranhao Luiz  F.  da  S.  Santos Agt. 

Pernambuco John  Malcolm  Johnstone C. 

do John  Krause V.  C. 

Ceara William  H.  Murdock Agt. 

Maceio Charles  Goble Agt. 

Natal Lyle  Nelson Agt. 

Rio  Grande  do  Sul. . . . . .  Joaquim  M.  Garcia V.  C. 

Porto  Alegre A.  H.  Edwards Agt. 


Place.  Name  and  Title. 

Rio  de  Janeiro William  T.  Townes C.  G. 

do John  Taylor  Lewis.  V.&D.C.G. 

do Reuben  Cleary D.  C.  G. 

Victoria Jean  Zinzen Agt. 

Santos Henry  C.  Smith C. 

do John  A.Blair V.  C. 

Desterro Robert  Grant Agt. 

CHILE. 

Antofagasta Charles  C.  Greene V.  C. 

Arica David  Simpson V.  C. 

Coquimbo William  C.  Tripler C. 

do V.  C. 

Iquiqne Joseph  W.  Merriam C. 

do Maximo  Rosenstock V.  C. 

Valparaiso  James  M.  Dobbs C. 

do August  Moller,  Jr V.  C. 

Caldera John  C.  Morong ;. .  .Agt. 

Coronel William  Taylor Agt. 

Talcahuano John  O.  Smith Agt. 

CHINA. 

Amoy Delaware  Kemper C. 

do V.  C. 

do James  McD.  Carrington — Mar. 

do Tsin  Ching  Chung Int. 

Takao Agt. 

Canton Charles  Seymour C. 

do V.  C. 

do Hung  Tsun  Ki Act'g  Int. 

Swatow Agt. 

Chin-Kiang Alexander  C.  Jones C. 

do V.  C. 

do Wan  Bing  Chung Int. 

do Nich  S.  Kin Act'g  Mar. 

Fuchau J.  Courtney  Hixson C. 

do Harry  W.  Churchill V.  C. 

do William  C.  Hixson Mar. 

do Timothy  Hsu Int. 

Hankow Jacob  T.  Child C. 

do V.  C. 

do M.  A.  Jenkins Int. 

do Jacob  T.  Child,  Jr Mar. 

Niuchwang J.  J.  Fred.  Bandinel.  V.  &  D.  C. 

Ningpo John  Fowler C. 

do ". V.C. 

do Henry  A.  C.  Emery Int. 

Shanghai Thomas  R.  Jernigan C.  G. 

do Isaac  E.  A  very . . . .  V.  &  D.  C.  G. 

do RufusF.  Eastlack D.  C.  G. 

do George  A.  ShuWdt Mar. 

do Walters.  EmeJ 

Tien-Tsin Sheridan  P.  1 

do Charles  D.  Ten; 

do Arthur  Ash. 

do Charles  D.  Tenney Int. 

Chef oo Arthur  R.  Donnelly Agt. 


*  Born  of  American  parents  temporarily  residing  abroad. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


165 


Place.  Name  and  Title. 

COLOMBIA. 

Barranquilla John  Bidlake C. 

do Elias  P.  Pellet V.&D.C. 

Rio  Hacha T.  V.  Henriquez Agt. 

Santa  Maria Louis  Von  Veltheim Agt. 

Bogota Jacob  Sleeper. .  v *C.  G. 

do William  G.  Boshell V.  C.  G. 

Bucaramanga Gustave  Volkman Agt. 

C'ucuta Christian  Andersen  M511er..Agt. 

Honda Henry  Hallam Agt. 

Cartagena Clifford  Smyth C. 

do Augustus  T.  Hanabergh. .  .V.  C. 

Colon  (Aspinwall) Josiah  L.  Pearcy C. 

do Josiah  L.  Pearcy,  Jr.. V.  &  D.  C. 

Bocas  del  Toro David  R.  Hand Agt. 

Medellin Thomas  Herran C. 

do Luciano  Santa-Maria V.  C. 

Panama Victor  Vifquain C.  G. 

do Felix  Ehrinan V.  C.  G. 

COSTA  RICA. 

Sail  Jos6 Harrison  R.  Williams C. 

do Walter  J.  Field V.  C. 

Port  Limon W.  B.  Unckles Agt. 

Punta  Arenas Max  Diermissen Agt. 

DENMARK  AND  DO- 
MINIONS. 

Copenhagen Robert  J.  Kirk C. 

do Olof  Hansen V.  C. 

Dyref  jord,  Iceland N.  Cbr.  Gram Agt. 

Elsiaore Alfred  Christensen Agt. 

St.  Thomas,  W.I James  H.  Stewart C. 

do  Julius  C.  Lorentzen V.  C. 

Christiansted Andrew  J.  Blackwood Agt. 

Fredericksted William  F.  Moore Agt. 

DOMINICAN  REPUBLIC. 

Puerto  Plata Thomas  Simpson C. 

do Washington  Lithgow V.  C. 

Monte  Christi Isaac  T.  Petit Agt. 

Samana Jean  M.  Villain V.  C.  A. 

Santo  Domingo Archibald  H.  Grimke C. 

do Juan  A.  Read V.  C. 

Azua '. John  Hardy Agt. 

Macoris Edward  C.  Reed Agt. 

Sanchez Francis  L.  Wills Agt. 

ECUADOR. 

Guayaquil George  G.  Dillard C.  G. 

do Martin  Reinberg V.C.G. 

Bahia  de  Caraquez  . .  .Zephyr  Constantino Agt. 

Esmeraldas Ferdinand  Servat Agt. 

Manta Pedro  A.  Moreira Agt. 

FRANCE  AND,  DOMIN- 
IONS. 

Algiers,  Africa Charles  T.  Grellet C. 

do Victor  A.  Grellet ...  .V.  &  D.  C. 

Beni-saf E.  L.  G.  Milsom Agt. 

Bone Elie  G.  V.  Le  Coat Agt. 


Place.  Name  and  Title. 

Collo   and   Philippe- 

ville Marius  Eynie Agt. 

Oran Benjamin  A.  Courcelle Agt. 

Bordeaux John  M.  Wiley C. 

do John  Preston  Beecher.V.&  D.C. 

Pau J.  Morris  Post Agt. 

Calais Charles  W.  Shepard C. 

do V.  C. 

Boulogne-sur-Mer Paul  Moleux Agt. 

Cayenne,  Guiana Leon  Wacongne C. 

do Auguste  Mathnrin  V.  C. 

Cognac Frederick  Fitz  Gerald C. 

do Arch.  W.  Pollock.... V.&D.C. 

Goree-Dakar,  Africa  . . .  Peter  Strickland C. 

do V.C. 

Grenoble C. 

do Thomas  W.  Mnrton V.  C. 

Guadeloupe IsPd,  W.  I. .Jacob  E.  Dart C. 

do D.&V.C. 

Havre Charles  W.  Chancellor C. 

do Cicero  Brown V.C. 

do Philip  8.  Chancellor D.C. 

Cherbourg Emile  Postel Agt. 

Honfleur Henry  M.  Hardy Agt. 

Rennes Charles  D.  Huret Agt. 

St.  Malo Raymond  Moulton Agt. 

Limoges Waller  T.  Griffln C.  A. 

do Anguste  Jonhannaud. . .  V.  C.  A. 

PSrigueux Agt. 

Lyons Frank  E.  Hyde C. 

do Thos.  Nicoll  Browne. V.  &  D.  C. 

Dijon Lucien  Bargy Agt. 

Marseilles Claude  M.  Thomas C. 

do Charles  P.  Pressly. .  .V.  &  D.  C. 

Bastia Simon  Damiani Agt. 

Cette L.  S.Nahmens    Agt. 

Toulon Louis  J.  B.  Jouve Agt. 

Martinique,  W.  I Julius  G.  Tucker C. 

do Simon  Henry  Davidt.V.&  D.  C. 

Nantes Reavel  Savage C. 

do Hiram  D.  Bennett V.  C. 

Angers Jules  Henri  Luneau Agt. 

Brest A.  Pitel Agt. 

Lorient Edouard  Broni Agt. 

Nice WilburnB.  Hall C. 

do Alexander  Vial V.  C. 

Cannes Philip  T.  Riddett Agt. 

Mentone Auge  Clericy Agt. 

Monaco Emile  de  Loth Agt. 

Noumea,  N.  C L.  Le  Mescam V.  C.  A. 

Paris Samuel  E.  Morss C.  G. 

do Clyde  Shropshire.  .V.  &  D.  C.  G. 

do Edw.P.  MacLean..D.C.G.&  C.C. 

do HubbardT.  Smith C.  C. 

Rheims Henry  P.  dn  Bellet C. 

do Charles  W.  Ramsay V.  C. 

Troyes Gaston  Baltet Agt. 

Ronbaix Stephen  H.  Angell C.  A. 

do Gaeton  Thiery V.  C.  A. 

Caudry Hans  Dietiker Agt. 

Dunkirk Benjamin  Morel Agt. 

Lille C.  Dubois  Gregoire Agt. 


*  The  Consul-General  is  also  Secretary  of  Legation. 

t  Born  of  American  parents  temporarily  residing  abroad. 


166 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF  AMERICA. 


Place.                           Name  and  Title. 
Rouen Horatio  R.  Bigelow C. 

do .  .E.  M.  J.  Dellepiane V.  C. 

Dieppe Raoulle  Bourgeois Agt. 

Saigon,  Cochin  China.  .Edward  Schneegans C.  A. 

do V.C.A. 

St.  Bartholomew,  W.  I..R.  Burton  Dinzey C.  A. 

do Julian  O.  Florandin V.  C.  A. 

St.  Etienne Charles  W.  Whiley,  Jr C. 

do Hastings  Burroughs V.  C. 

St.  Pierre,  Miquelon  —  George  J.  Steer C.  A. 

do George  H.  Frecker V.  C.  A. 

Tahiti,  Society  Ielands..J.  Lamb  Doty C. 

do John  Hart V.  C. 

Tunis,  Africa Alfred  Chapelie V.  C. 

GERMANY. 

Aix  la  Chapelie William  C.  Emmet C. 

do Peter  Kuetgens V.  &  D.  C. 

Annaberg Theodore  M.  Stephan C. 

do Franz  Max  Jaeger. . .  V.  &  D.  C. 

Eibenstock Carl  Borngraeber Agt. 

Bamberg Louis  Stern C.  A. 

do Albert  Kiessling V.  C.  A. 

Barmen Henry  F.  Merritt C. 

do Wilhelm  R.  Schaefer V.  C. 

do Richard  E.  Jahn D.  C. 

Solingen Richard  E.  Jahn Agt. 

Berlin Charles  de  Kay C.  G. 

do F.  C.Zimmerman..  V.  &D.  C.  G. 

do Frederick  von  Versen.  .D.  C.  G. 

do Charles  H.  Day C.  C. 

Guben Wm.  C.  Dreher Agt. 

Bremen George  Keenan C. 

do  Georg  W.  Watjen V.  C. 

do ; JohnH.  Schnabel D.  C. 

Brake  &  NordenhammWilhelm  Clemens Agt. 

Bremerhaven  -  Geeste- 

munde Wm.  B.  Murphy Agt. 

Breslau Frederick  Opp C. 

do Max  Loewenthal V.  C. 

Brunswick Edward  W.  S.  Tingle C. 

do Julius  Seckel V.  &  D.  C. 

Chemnitz James  C.  Monaghan C. 

do Joseph  F.  Monaghan V.  C. 

Cologne William  D.  Warner C. 

do  V.  C. 

Crefeld Charles  Jonas C. 

do Flavel  Scott  Mines.  .V.  &  D.  C. 

Dresden .  ...William  S.  Carroll C.  G. 

do William  Knoop  . .  V.  &  D.  C.  G. 

do Hernando  de  Soto D.  C.  G. 

Zittau Alfred  Krauss Agt. 

Dusseldorf Peter  Lieber C. 

do Emil  Hoette V.  C. 

Essen F.  Asthorver,  Jr Agt. 

Frankfort Frank  H.  Mason C.  G. 

do Alvesto  S.  Hogue.V.  &  D.  C.  G. 

Cassel Gustav  C.  Kothe Agt. 

Langen  Schwalbach.  .Ernest  Grebert Agt. 

Freiburg,  Baden Jacob  H.  Thieriot C.  A. 

do ...V.C.A. 


Place.  Name  and  Title. 

Ftirth Henry  C.  Carpenter C.  A. 

do Fred.  J.  Hirschmann. .  .V.  C.  A. 

Glauchau George  Sawter C.  A. 

do V.  C.  A. 

Hamburg William  Henry  Robertson C. 

do Charles  H.  Burke.. ..V.  &  D.  C. 

do David  H.  Burke D.  C. 

Kiel August  Sartori Agt. 

Liibeck Jacob  Meyer,  Jr Agt. 

Ritzebiittel  and  Cux- 

haven Johann  G.  F.  Starcke Agt. 

Hanover Edward  P.  Crane C. 

do Alex.  Moritz  Simon.V.  &.  D.  C. 

Kehl Edward  I.  Prickett C. 

do Theodore  Kriiger V.  C. 

do Ernest  Therion D.  C. 

Leipsic  Otto  Doederlein C. 

do Frederick  Nachod. .  .V.  &  D.  C. 

do Rudolph  Fricke D.  C. 

Gera Charles  Neuer Agt. 

Madgeburg Julius  Muth C. 

do Robert  Weichsel,  Jr V.  C. 

Mannheim Max  Goldflnger C. 

do Carl  Funck V.  C. 

Nenstadt Leopold  Blum Agt. 

Mayence Perry  Bartholow C. 

do Peter  Melchers V.  &  D.  C. 

Munich Ralph  Steiner C. 

do J.  Leonard  Corning.. V.  &D.  C. 

Augsburg G.  Oberndorf Agt. 

Nuremberg William  J.  Black C. 

do Sigmund  Dunkelsbiihler..V.  C. 

do Sigmund  Dunkelsbuhler..D.  C. 

Plauen Thomas  Willing  Peters... C.  A. 

do Oscar  Gottschalk..V.  &  D.C.A. 

Markneukirchen &  Agt. 

Sonneberg Dwight  J.  Partello  C. 

do AlvinFlorschutz....V.  &  D.  C. 

Coburg Emil  Albrecht Agt. 

Stettin Frederick  W.  Kickbusch C. 

do Paul  Grischow V.  &  D.  C. 

Danzig Philipp  Albrecht Agt. 

KOnigsberg Conrad  H.  Gadeke Agt. 

Stuttgart Alfred  C.  Johnson C. 

do William  Hahn V.  &  D.  C. 

Weimar Thomas  Ewing  Moore C.  A. 

do Paul  Teichmann V.  C.  A. 

GREAT     BRITAIN    AND 
DOMINIONS. 

Aden,  Arabia William  W.  Masterson C 

do Judas  Messa V.  C. 

Hodedia John  R.  Mueller Agt. 

Amherstburg,  Ont John  Patton C. 

do James  H.  M.  Florey.  .V.  &D.C. 

Antigua,  W.  I Richard  M.  Bartleman C. 

do Samuel  Galbraith V.  C. 

Angnila Wager  Rey Agt. 

Dominica William  Stedman Agt. 

Montserrat  Richard  Hannam Agt. 

Portsmouth Alex.  Charles  Reviere Agt. 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF  AMERICA. 


167 


Place.  Name  and  Title. 

Auckland,  N.  Z John  Darcy  Connolly  C. 

do Leonard  A.  Bachelder V.  C. 

Christ  Church Albert  Cuff Agt. 

Dnnedin W.  G.  Neill Agt. 

Monganni Robert  Wyles. Agt. 

Wellington Thomas  Cahill Agt. 

Barbados,  W.  I George  T.  Tate C. 

do Arthur  B.  St.  Hill V.  C. 

St.  Lucia William  Peter Agt. 

St.  Vincent W.  J.  Shearman1 Agt. 

Bathurst,  Africa Henry  Goddard V.  C. 

Belfast,  Ireland James  B.  Taney C. 

do V.  D.  &  C. 

do Louis  Mantell D.  C. 

Ballymena John  G.  Ballentine Agt. 

Londonderry P.  T.  Rodgers Agt. 

Lurgan F.  W.  Magahan Agt. 

Belize,  Honduras Albert  E.  Morlan C. 

do Phillip  S.  Woods V.  C. 

Belleville,  Ont Michael  J.  Hendrick C. 

do William  N.  Ponton V.  C. 

Deseronto Charles  A.  Millener Agt. 

Napanee William  Templeton Agt. 

Picton Jacob  F.  Beringer Agt. 

Trenton Stephen  J.  Young Agt. 

Bermuda  (Hamilton) Marshall  Hanger C. 

do James  B.  Heyl V.  &  D.  C. 

Birmingham,  England . .  George  F.  Parker C. 

do Frederick  M.  Burton V.  C. 

do Ernest  Barker D.  C. 

Kidderminster James  Morton Agt. 

Redditch H.  C.  Browning Agt. 

Wolverhampton John  Neve Agt. 

Bombay,  India Henry  J.  Sommer,  Jr C. 

do Samuel  Comfort V.C. 

Karachi W.  Flower  Hamilton Agt. 

Bradford,  England.     ...Claude  Meeker C. 

do Thomas  L.  Renton..V.  &  B.  C. 

do Richard  B.  Nicholls D.  C. 

Bristol,  England Lorin  A.  Lathrop C. 

do Gerard  Mosely V.  &  D.  C. 

Gloucester Arnold  Henry  Palin Agt 

Brockville,  Ont James  A.  Demarest C. 

do William  W.  Wood.  .V.  &  D.  C. 

Calcutta,  India Van  Leer  Polk C.  G. 

do William  W.  Bryant. V.&  D.C.G. 

Akyab David  R.  Cameron Agt. 

Bassein John  Young Agt. 

Chitagong R.  A.  Mactaggart Agt. 

Madras Henry  Scott Agt. 

Moulmein W.  J.  Davidson Agt. 

Rangoon Charles  Gairdner Agt. 

Cape  Town,  Africa C. 

do Clifford  H.  Knight V.  C. 

Bloemf ontein Ernst  R.  Landgraf Agt. 

Durban J.  Perrott  Prince Agt. 

East  London... WilliamH.  Fuller Agt. 

Johannesberg J.  C.  Manion Agt. 

Kimberley Gardner  Williams Agt. 

Port  Elizabeth John  A.  Chabaud Agt. 

Simonstown John  R.  Black,  Jr Agt. 

Cardiff,  Wales Anthony  Howells C. 


Place.  Name  and  Title. 

Cardiff,  Wales William  Harris V.  &  D.  C. 

Llanelly William  Howell Agt. 

Milford  Haven George  S.  Kelway Agt. 

Newport William  E.  Heard Agt. 

Ceylon,  India William  Morey C. 

do Elmer  Lake  Morey. . .  V.  &  D.  C. 

Jaffna William  M.  S.  Twynam  —  Agt. 

Point  de  Galle Agt. 

Charlottetown,  P.  E.  I . .  Dominic  J.  Kane C. 

do John  T.  Crockett.... V.  &  D.C. 

Alberton -.  .Albert  Glidden Agt. 

Georgetown Archibald  J.  McDonald Agt. 

Souris Caleb  C.  Carlton Agt. 

Summerside John  Gaffney Agt. 

Chatham,  Ont Edwin  F.  Bishop C. 

do Edwin  Bell V.C. 

Clifton,  Ont George  W.  Nichols. . C. 

do James  Butters V.  &  D.  C. 

St.  Catharines Leonard  H.  Collard Agt. 

Coaticook,  Quebec Joel  Linsley   C. 

do George  Pinkham V.  &  D.  C. 

Hereford John  R.  Nichols Agt. 

Lineboro Hoel  S.  Beebe Agt. 

Potton Chandler  Bailey Agt. 

Stanstead Horace  S.  Haskell Agt. 

Collingwood,  Ont James  C.  Quiggle C.  A. 

do Chas.  McDonnell .  .V.  &  D.  C.  A. 

Barrie Alfred  E.  H.  Creswicke Agt. 

Lindsay James  M.  Knowlson Agt. . 

Owen  Sound William  T.  Robertson Agt. 

Parry  Sound Walter  R.  Foot Agt, 

Cork  (Q.ueenstown) Lucien  J.  Walker C. 

do James  William  Scott V.  C. 

Waterford William  H.  Farrell Agt. 

Demerara,  Guiana Andrew  J.  Patterson C. 

do James  Spaight V.  &  D.  C. 

Dublin,  Ireland Newton  B.  Ashby C. 

do Arthur  Donn  Piatt.. .  V.  &  D.  C. 

Athlone John  Burgess Agt. 

Limerick George  P.  Mackenzie Agt. 

Dundee,  Scotland John  M.  Savage C. 

do Allan  Baxter V.  &  D.  C. 

Aberdeen Andrew  Murray Agt. 

Dunfermline,  Scotland.  James  D.  Reid C.  A. 

do James  Penman V.  C.  A. 

Kirkcaldy Andrew  Innes Agt. 

Falmouth,  England Howard  Fox C. 

do G.  Henry  Fox V.  &  D.  C. 

Scilly  Islands John  Banfleld,  Jr Agt. 

Fort  Erie,  Ont Ralph  Johnson C. 

do Isaac  H.  Allen V.  &D.  C. 

Gaspe  Basin,  Quebec  . .  Almar  F.  Dickson C. 

do John  Carter V.C. 

Paspebiac Daniel  Bisson Agt. 

Gibraltar,  Spam Horatio  J.  Sprague C. 

do Richard  L.  Sprague  . .  V.  &  D.  C. 

Glasgow,  Scotland Allen  B.  Morse C. 

do William  Gibson V.  C. 

do James  J.  Inglis D.C. 

Greenock James  A.  Love Agt. 

Troon Andrew  McMurray Agt. 

Goderich,  Ont Robert  S.  Chilton C.  A. 


168 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


Place.  Name  and  Title, 

Goderich,  Ont William  Campbell V.  C.  A. 

Clinton A.  O.  Pattison Agt. 

Guelph,  Ont Charles  N.  Daly C. 

do George  A.  Oxnard....V.  &D.C. 

Halifax,  N.  S Darius  H.  Ingraham C.  G. 

do George  Hill V.  &  D.  C.  G. 

Bridgewater William  H.  Owen Agt. 

Liverpool James  N.  S.  Marshall Agt. 

Lunenburg Daniel  M.  Owen.      Agt. 

Hamilton,  Ont .  Charles  P.  Macdonald C. 

do Daniel  B.  Smith V.  &  D.  C. 

Brantford FrankB.  Pollard Agt. 

Gait Milton  P.  Townshend Agt. 

Paris William  W.  Hume Agt. 

Hobart,  Tasmania Alexander  George  Webster.  ..C. 

do V.C. 

Launceston Lindsay  Tulloch Agt. 

Hongkong,  China William  E.  Hunt C. 

do George  B.  Hunt V.  &  D.  C. 

do. . , Chin  Poy  Woo Int. 

Huddersfleld,  England. .  Frank  C.  McGhee C. 

do David  J.  Bailey V.  &  D.  C. 

Hull,  England C. 

do Gordon  B.  Daniels... V.  &D.  C. 

Kingston,  Jamaica Quincy  O.  Eckford C. 

do James  L.  Sykes V.  &  D.  C. 

Black  River C.  M.  Farquharson Agt. 

Milk  River A.  A.  Green Agt. 

Port  Morant Lorenzo  D.  Baker,  Jr Agt. 

Savaimah-la-Mar Ch.  S.  Farquharson Agt. 

Kingston,  Ont Marshall  H.  Twitchell C. 

do Mat.  H.  Folger V.  &  D.  C. 

Gananoque E.  E.  Abbott Agt. 

Leeds,  England Norfleet  Harris C. 

do William  Ward V.C. 

do Edmund  Ward D.  C. 

Leith  (Edinburgh) . .    . .  Robert  J.  MacBride C. 

do Frederick  P.  Piatt . . .  V.  &.  D.  C. 

Galashiels John  Stalker Agt. 

Levuka,  Fiji  Islands . . . .Benjamin  Morris V.  C.  A. 

Liverpool,  England James  E.  Neal C. 

do William  J.  Sulis V.  &  D.  C. 

do William  Pierce D.  C. 

Holyhead John  Jones Agt. 

St.  Helen's John  Hammill Agt. 

London,  England Patrick  A.  Collins C.  G. 

do John  J.  Collins. .  .V.  &  D.  C.  G. 

do Francis  W.  Frigout D.  C.  G. 

Dover Francis  W.  Prescott Agt- 

London,  Ont William  H.  Jacks C. 

do Charles  W.  Davis... .V.  &  D.  C. 

Malta  (Island) Daniel  C.  Kennedy C. 

do Joseph  F.  Balbi V.  C. 

Manchester,  England. .  .William  F.  Grinnell C. 

do Ernest  J.  Bridgford V.C. 

Melbourne,  Australia. .  .Daniel  W.  Maratta C.  G. 

do Thos.  W.  Stanford. V.&  D.  C.  G. 

Adelaide Charles  A.  Murphy Agt. 

Albany Frank  R.  Dymes Agt. 

Freemantle Edward  Mayhew Agt. 

Moncton,  N.  B James  S.  Benedict C.  A. 

do Geo.  McSweeney.V.  &  D.  C.  A. 


Place.  Name  and  Title. 

Bathurst Benedict  C.  Mullins Agt. 

Campbellton Charles  Murray Agt. 

Newcastle Robert  R.  Call Agt. 

Richibucto George  V.  Mclnerney Agt. 

Montreal,  Quebec Wendell  A.  Anderson C.  G. 

do Patrick  Gorman.. V.  &  D.  C.  G. 

Coteau Thomas  Stapleton Agt. 

Grenville Alex.  Pridham Agt. 

Hemmingford Wellington  W.  Wark Agt. 

Hinchinbrook Samuel  E.  Ames Agt. 

Hochelaga   and    Lon- 

gueuil J.  H.  Turcotte Act'g  Agt. 

Huntingdon John  Dineen Agt. 

Morrisburgh,  Ont Albert  Fowler C.  A. 

do Geo.  F.  Bradfield.  V.  &  D.  C.  A. 

Cornwall David  A.  Flack Agt. 

Nassau .Thomas  J.  McLain C. 

do Timothy  Darling V.  C. 

Albert  Town Howard  H.  Farrington Agt. 

Dunmore  Town Norman  E.  B.  Monroe Agt. 

Governor's  Harbor  . .  .Charles  A.  Bethel Agt. 

Green  Turtle  Cay Edward  W.  Bethel Agt. 

Mathewtown Daniel  D.  Sargent Agt. 

Newcastle,  England William  S.  Campbell C. 

do A.  H.  Dickinson V.C. 

Carlisle J.  He wetson  Brown Agt. 

Old  Hartlepool Christian  Neilson Agt. 

Sunderland Thomas  A.  Horan Agt. 

Newcastle,  N.  S.  W  C.  A. 

do Stewart  Keightley V.  C.  A. 

Brisbane William  J.  Weatherill Agt. 

Townsville William  V.  Brown Agt. 

Nottingham,  England.. .Asa  D.  Dickinson C. 

do William  T.  Cartwright....V.  C. 

Derby Charles  K.  Eddowes Agt. 

Leicester Samuel  S.  Partridge Agt. 

Orillia,  Ont James  M.  Rosse C.  A. 

do Charles  Corbould.V.  &  D.  C.  A. 

North  Bay,  Nipissing. Daniel  J.  McKeown Agt. 

Waubaushene F.  J.  McCallum Agt. 

Ottawa,  Ont John  B.  Riley... C.  G. 

do Julius  G.  Lay.... V.  &  D.  C.  G. 

do Donnell  Rockwell C.  C. 

Arnprior James  Fowler Agt. 

Palmerston,  Ont Loton  S.  Hunt C.  A. 

do Wm.  Mawhinney .  V.  &.  D.  C.  A. 

Wiarton J.  H.  Tibeando Agt. 

Wingham John  Nicoll Agt. 

Pictou,  N.  S Mark  P.  Pendleton C. 

do JohnR.  Noonan V.C. 

Antigonish Rupert  Cunningham Agt. 

Arichat Peter  Campbell Agt. 

Cape  Canso Alfred  W.  Hart Agt. 

Magdalen  Islands Robert  J.  Leslie Agt. 

Port  Hawksbury  and 

Mulgrave Alexander  Bain Agt. 

Pngwash  and  Wallace. Conrad  W.  Morris Agt. 

Sydney J.  E.  Burchell  Agt. 

Plymouth,  England Thomas  W.  Fox C. 

do V.C. 

Dartmouth George  Hinston Agt. 

Guernsey William  Carey Agt. 


THE   LEGAL   AND   FINANCIAL   LIGHTS   OF   AMERICA. 


169 


Place.  Name  and  Title. 

Jersey B.  B.  Renouf Agt. 

Port  Antonio,  Jamaica . .  James  Y.  Walton C.  A. 

do V.  C.  A. 

Falmouth Charles  A.  Nunes Agt. 

Montego  Bay G.  L.  P.  Corinaldi Agt. 

Port  Maria 1. 1.  Lyon Agt. 

St.  Ann's  Bay..  R.  W.  Harris Agt. 

Port  Hope,  Ont.  Julian  E.  Gittings C.  A. 

do Ernest  Evatt V.  &  D.  C.  A. 

Peterborough .  .Edward  E.  Dodds Agt. 

Port  Louis,  Mauritius  .  .John  P.  Campbell  C. 

do A.  Povah  Ambrose V.  C. 

Port  Eowan,  Ont George  B.  Killmaster C.  A. 

do William  H.  Meek V.  C.  A. 

Port  Sarnia,  Ont Arthur  M.  Clark C. 

do Charles  S.  Clark V.  &  D.  C. 

Port  Stanley,  F.  I John  H.  Miller C. 

do James  Smith V.  C. 

Port    Stanley   and   St. 

Thomas,  Ont George  J.  Willis C. 

do William  H.  King....V.  &  D.  C. 

Courtright Fred  W.  Baby Agt. 

Prescott,  Ont Joseph  Whalen C. 

do James  Buckly V.  &  D.  C. 

Quebec Philip  B.  Spence C. 

do RobertMcD.  Stocking.... V.  C. 

Point  Levi Charles  M.  Barclay Agt. 

SaultSte.  Marie,  Ont. ..Charles  McCall C.  A. 

do Edward  Biggings.V.  &  D.  C.A- 

Sheffield,  England Bennington  R.  Bedle C. 

do George  Ernest  Branson  . . .  V.  C. 

do Frank  M.  Clark D.  C. 

Barnsley Robert  D.  Maddison Agt. 

Sherbrooke,  Quebec.... James  R.  Jackson C. 

do Edw.  B.  Worthington.V.&D.B. 

Cookshire Charles  C.  Bailey Agt. 

Megantic Henry  W.  Albro Agt. 

Sierra  Leone,  Africa — Robert  P.  Pooley C. 

do Cecil  S.  W.  Pooley V.  C. 

Singapore,  S.  S E.  Spencer  Pratt C.  G. 

do Joaquim  P.  Joaquim. ..V.  C.  G. 

Penang Frederick  Lederer Agt. 

Southampton,  England.  Warner  S.  Kinkead C. 

do Joseph  Dean V.  &  D.  C. 

do William  C.  Oflutt D.  C. 

do Henry  W.  Martin C.  C. 

Portsmouth John  Mai.i Agt. 

Weymouth Richard  Cox Agt. 

St.  Christopher,  W.  I...  Leopold  Moore  * C.A. 

do Lewis  H.  Percival V.  C.  A. 

Nevis Charles  C.  Greaves Agt. 

St.  George's,  Bermuda.  .Ed ward  W.  Willett C.  A. 

do William  D.  Fox V.  C.  A. 

St.  Helena  (Island) James  B.  Coffin C. 

do Thomas  E.  Fowler V.  C. 

St.  Hyacinthe,  Quebec. Charles  Laberge C.  A. 

do Francis  Bartels. . .  .V.  &  D.  C.  A 

Sorel Isaie  Sylvestre Agt. 

Waterloo Arthur  S.  Newell Agt. 

St.  John,  N.  B JohnS.  Derby C. 

do Allen  Derby V.  &  D.  C. 

Campobello  Island...  John  J.Alexander Agt. 


Place.  Name  and  Title. 

Fredericton James  T.  Sharkey Agt. 

Grand  Manan William  A.  Fraser Agt. 

St.  George Charles  C.  Ludgate Agt . 

St.  John's,  N.  F. C. 

do John  Thomas  Barren V.  C. 

St.  John's,  Quebec Thomas  Keefe C. 

do John  Donaghy V.  &  D.  C. 

Farnham William  L.  Hibbard Agt. 

Lacolle Henry  Hoyle Agt. 

St.  Stephen,  N.  B Edgar  Whidden C. 

do Charlie  N.  Vroom.  ..V.  &  D.  C. 

McAdam  Junction — James  W.  Green Agt. 

St.  Andrews George  H.  Stickney Agt. 

Stanbridge,  Quebec — Daniel  G.  Fnrman C.  A. 

do Geo.  M.  Hastings.  V.  &D.  C.A. 

Clarenceville Edmund  Macomber Agt. 

Frelighsburg William  A.  Reynolds Agt. 

Sutton Egbert  R.  Shepard Agt. 

Stratford,  Ont Luther  M.  Shaffer C. 

do Lewis  H.  Dingman..V.  &  D.  C. 

Swansea David  C.  Davies C.  A. 

do Arthur  Sperry....V.  &  D.  C.  A. 

Sydney,  N.  S.  W George  W.  Bell C. 

do CharlesG.  Ewing V.  C. 

do William  H.  Dawson D.  C. 

Norfolk  Island Isaac  Robinson Agt. 

Three  Rivers,  Quebec.. Francois  X.  Belleau C. 

do Waters  W.  Braman,  Jr. ...V.  C. 

Arthabaska Arthur  Poitras Agt. 

Toronto,  Ont John  W.  Coppinger C. 

do John  B.  Coppinger.. V.  &  D.  C. 

Oshawa W.  P.  Sterricke Agt. 

Trinidad,  W.  I William  C.  Foster C. 

do Julian  H.  Archer V.  C. 

Grenada P.  J.  Dean Agt. 

Scarborough Edward  Keens ....Agt. 

Tunstall,  England Wendell  C.  Warner C. 

do John  H.  Copestake..V.  &  D.  C. 

Turks  Island,  W.  I C. 

do William  Stanley  Jones....  V.  C. 

Cockburn  Harbor John  W.  Tatem Agt. 

Salt  Cay Daniel  F.  Harriott Agt. 

Vancouver,  B.  C William  F.  Peterson C.  A. 

do Fred.  J.  Schofleld.  V.  &  D.  C.  A. 

Union George  W.  Clinton Agt. 

Victoria,  B.  C William  P.  Roberts C. 

do Miles  R.  Eure V.  &  D.  C. 

Nanaimo William  B.  Dennison Agt. 

Wallaceburgh,  Ont Isaac  G.  Worden C.A. 

do Chas.  B.  Jackson. V.  &  D.C.  A. 

Windsor,  N.  S Edward  Young C. 

do V.  &D.  C. 

Cornwallis Fenwick  W.  Rand Agt. 

Kempt John  G  Burgess Agt. 

Parrsboro David  A.  Huntley Agt. 

Port  Joggins William  Moffat Agt. 

Windsor,  Ont Marshall  P.  Thatcher C. 

do Joseph  Prevost  Carr.V.  &  D.  C. 

Winnipeg,  Manitoba. . .  .Matthew  M.  Duffle C. 

do William  Hall V.  C. 

Deloraine Albert  M.  Herron Agt. 

Emerson Duncan  McArthur Agt. 


*  Born  of  American  parents  temporarily  residing  abroad. 


170 


THE   LEGAL   AND   FINANCIAL   LIGHTS  OF   AMERICA. 


Name  and  Title. 

Fort  William,  Ont. . .  .C.  W.  Jarvis Agt. 

Gretna Enoch  Winkler Agt. 

Lethbridge Thomas  Curry Agt. 

North  Portal,  Assini- 

boia W.  H.  Dorsey. Agt. 

Rat  Portage,  Ont George  E.  Frisbie Agt. 

Woodstock,  N.  B Grenville  James C. 

do John  Graham V.  C. 

Yarmouth,  N.  S Charles  A.  O'Connor C. 

do Ernest  H.  Armstrong.  V.&D.  C. 

Annapolis  Jacob  M.  Owen Agt. 

Barrington Thomas  W.  Robertson Agt. 

Digby T.  Howland  White Agt. 

Shelbnme William  B.  Stewart Agt. 

GREECE. 

Athens Eben  Alexander JC.  G. 

do George  Horton C. 

do Arthur  C.  McDowall V.  C. 

Piraeus Arthur  C.  McDowall Agt. 

Syra Basil  Padova Agt. 

Volo Charles  W.  Borrell Agt. 

Patras Edward  Hancock C. 

do V.C. 

Corfu Charles  E.  Hancock Agt. 

Kalamata Denis  A.  Pantasopoulos — Agt. 

Zante Alfred  L.  Crowe Agt. 

GUATEMALA. 

Guatemala D.  Lynch  Pringle *C.  G. 

do John  North  Todd V.  C.  G. 

Champerico Florentine  Souza Agt. 

Livingston Frank  C.  Dennis Agt. 

Ocos J.  Dawson  Meza Agt. 

San  Jos6  de  GuatemalaRoger  R.  Vair Agt. 

HAITI. 

Cape  Haitien '. C. 

do Theodore  Behrmann V.  C. 

Gonaives Etheart  Dupuy Agt. 

Port  de  Paix Albert  Schumacher Agt. 

Port-au-Prince Henry  M.  Smythe tC.  G. 

do John  B.  Terres V.  C.  G. 

do Alexander  Battiete D.  C. 

Aux  Cayes Henry  E.  Roberts Agt. 

Jacmel Jean  Vital Agt. 

Jeremie L.  Treband  Rouzier Agt. 

Miragoane Francis  W.  Mitchell Agt. 

Petit  Goave F.  Merantie Agt. 

St.  Marc Charles  Miot Agt. 

HAWAIIAN  ISLANDS. 

Honolulu Ellis  Mills *C.  G. 

do W.P.Boyd..V.  &  D.C.  G.  &  C.  C. 

Hilo Charles  Furneaux , — Agt. 

Kahulni  A.  G.  Dickins Agt. 

Mahukona .Charles  Jacob  Falk Agt. 

HONDURAS. 

Ruatan J.  Eugene  Jarnigan C. 

do Philip  S.  Burchard V.  C. 

Bonacca William  Bayly Agt. 

Utilla Robert  Woodville Agt. 


Place.  Name  and  Title. 

Tegucigalpa William  Myers  Little C. 

do George  Bernhard V.  C. 

Amapala William  Heyden Agt. 

Ceiba Louis  Bier Agt. 

Macaome John  E.  Foster Agt. 

Puerto  Cortez William  E.  Alger Agt. 

San  Juancinto E.  E.  Dickason Agt. 

San  Pedro  Sula J.  M.  Mitchell,  Jr Agt. 

Truxillo H.  P.  Boyce Agt. 

Yuscarau Charles  W.  Benton Agt. 

ITALY. 

Castellamare  di  Stabia.. Henry  G.  Huntington C.  A. 

do ...Robert  Wickersham...  .V.  C.  A. 

Sorrento Francesco  Ciampa Agt. 

Catania Louis  H.  Bruhl C. 

do Jacob  Ritter V.  &  D.  C. 

Florence Charles  Belmont  Davis C. 

do Spirito  Bernardi. . . . .  V.  &  D.  C. 

Bologna Carlo  Gardini Agt. 

Genoa James  Fletcher C. 

do Federico  Scerni V.  C. 

San  Remo Albert  Ameglio Agt. 

Leghorn Alexander  S.  Rosenthal C. 

do Emilio  Masi V.  &  D.  C. 

Carrara Ulisse  Boccacci Agt. 

Messina  Charles  M.  Caughy C. 

do Letterio  Pirrone V.  &  D.  C. 

Gioja Luigi  Giffoni .Agt. 

Milazzo Pietro  Siracusa Agt. 

Milan Diovol  B.  Spagnoli C. 

do S.  N.  D.  Spagnoli.... V.  &  D.  C. 

Naples Frank  A.  Dean C. 

do Jonathan  Dean V.  &  D.  C. 

Bari Nicholas  Schuck Agt. 

Rodi Tomaso  del  Giudice Agt. 

Palermo William  H.  Seymour C. 

do Felix  Pirandello V.  C. 

Carini Francesco  Crocchiolo Agt. 

Girgenti Francis  Ciotta Agt. 

Licata Arthur  Verderame Agt. 

Trapaui Ignazio  Marrone Agt. 

Rome Wallace  S.  Jones C.  G. 

do C.M.Wood.. V.  &  D.  C.  G  &  C.C. 

Ancona A.  P.  Tomassini Agt. 

Cagliari Alphonse  Dol Agt. 

Civita  Vecchia Gustav  Marsanich Agt. 

Turin William  E.  Msntius C. 

do Hugo  Pizzotti V.  C. 

Venice Henry  A.  Johnson C. 

do Frederick  Rechsteiner.V.&D.C. 

JAPAN. 

Kanagawa Nicholas  W.  Mclvor C.  G. 

do John  McLean.... V.  &  D.  C.  G. 

do  G.  H.  Scidmore..D.  C.  G.  &  C.  C. 

do William  B.  Herbert.. Mar. 

do John  McLean Int. 

;i William  H.  Abercrombie C. 

do Herbert  Blackburn V.  C. 

do S.  R.  de  Souza Int. 

do...  ...John  Frank  Nevells Mar. 


-t-The  Consul-General  is  also  Minister  Resident  andCharge  d'Affaires  to  Santo  Domingo. 
*The  Consul-General  is  also  Secretary  of  Legation. 
$The  Consul-General  is  also  E.  E.  &  M.  P. 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 


171 


Place.  Name  and  Title. 

Osaka  and  Hiogo  (Kobe)Jame8  F.  Connelly C. 

do  Hunter  Sharp V.  C. 

do George  F.  Smithers D.  C. 

do Hunter  Sharp Mar. 

do W.  Ebiharah Int. 

KOREA. 

Seoul John  M.  B.  Sill tC.  G. 

do Horace  N.  Allen *D.  C.  G. 

LIBERIA. 

Monrovia William  H.  Heard tC.  G. 

do Beverly  Y.  Payne V.  C. 

Cape  Coast  Castle George  E.  Emingsang Agt. 

LUXEMBURG. 
Luxemburg Geo.H.Murphy.V.C.,C.A.&C.C. 

MADAGASCAR. 

Tamatave Edward  Telfair  Wetter C. 

do V.  C. 

Andakabe Agt. 

Majonga Frank  Harvey Agt. 

MASKAT. 

Maskat C. 

do Archibald  Mackirdy V.  C. 

do Mahomed  Fazel D.  C. 

MEXICO. 

Acapulco Edgar  Battle C. 

do Herman  Stoll V.  C. 

San  Benito L.  R.  Brewer Agt. 

Tehuantepec  and  Sa- 

lina  Cruz James  W.  Jeffries Agt. 

Chihuahua Richard  M.  Burke C. 

do Rowland  Anderson V.  C. 

Parral James  J.  Long Agt. 

Durango John  S.  McCaughan C. 

do Edward  Williams V.  C. 

Toreon Lenious  F.  Poston Agt. 

Ensenada C. 

do Anthony  Godbe V.  C. 

LaPaz C. 

do James  Viosca,  Jr V.  C. 

Magdalena  Bay Agt. 

San    Jose    and   Cape 

St.  Lucas Abraham  Knrnitzky Agt. 

Matamoros John  B.  Gorman C. 

do J.  Bielenberg V.  C. 

Camargo Agt. 

Mier Henry  Vizcayo Agt. 

Santa  Cruz  Point J.  Bielenberg Act'g  Agt. 

Mazatlan Arthur  de  Cima C. 

do John  P.  de  Cima,  Jr V.  C. 

Merida Robert  L.  Oliver C. 

do JohnM.  Gilkey V.  &  D.  C. 

Campeachy Gasper  Trueba Agt. 

Laguna  de  Terminos.. German  Hahn Agt. 

Progreso John  Waddle Agt. 

Mexico Thomas  T.  Crittenden C.  G. 

do  ...  ... Wm.J. Crittenden. .V.&D.C.G. 


Place.  Name  and  Title. 

Agnas  Calientes Alfred  M.  Raphall Agt. 

Guanajuato Dwight  Furness Agt. 

Zacatecas Edmond  von  Gehren Agt. 

Nogales Frank  W.  Roberts C. 

do Reuben  D.  George.  ..V.  &  D.  C. 

Guaymas A  gt. 

Nuevo  Laredo Joseph  G.  Donnelly C.  G. 

do John  F.  Vails V.  C.  G. 

do Louis  A.  Coddington...D.  C.  G. 

Garita  Gonzales John  F.  Vails Agt. 

Monterey George  D.  Fitzsimmons —  Agt. 

Victoria Mnrdock  C.  Cameron Agt. 

Paso  del  Norte Louis  M.  Buford C. 

do Charles  E.  Wesche..V.  &  D.  C. 

Piedras  Negras Jesse  W.  Sparks C. 

do Samuel  M.  Simmons V.  C. 

Ciudad  Porflrio  Diaz.. Samuel  M.  Simmons Agt. 

Sierra  Mojada Henry  B.  Hackley Agt. 

Saltillo John  Woessner C.. 

do V.  C. 

Tampico John  Maguire C. 

do NeillE.  Presely V.  C. 

San  Luis  Potosi Voelian  C.  Whitfleld Agt, 

Tuxpan John  Drayton C. 

do V.  C. 

Veracruz  Charles  Schaefer C. 

do Louis  W.  Shouse V.  C. 

Coatzacoalcos Frank  W.  Carpenter Agt. 

Frontera Michael  Girard Agt. 

MOROCCO. 

Tangier John  Judson  Barclay C.  G. 

do    John  Judson  Barclay,  Jr-V.C.G. 

Casa  Blanca John  Cobb Agt. 

Laraiche Solomon  Benatuil Agt. 

Mazagan Leon  Roffe Agt. 

Mogador George  Broome Agt. 

Rabat Jacob  R.  Benatar Agt. 

Saffl John  Russi Agt. 

Tetuan Isaac  L.  Cohen Agt. 

NETHERLANDS  AND 
DOMINIONS. 

Amsterdam Edward  Downes C. 

do Albertus  Vinke V.  &  D.  C. 

Batavia,  Java Bradstreet  S.  Rairden C. 

do V.  C. 

Macassar,  Celebes Karl  Auer Agt. 

Samarang Frederick  W.  Beauclerk — Agt. 

Soerabaya Agt. 

Cura9ao,  W.  I Jervis  Spencer C. 

do Jacob  Wuister V.  C. 

Buen  Ayre Lodewyk  C.  Boye" Agt. 

Padang,  Sumatra Clemens  Boon V.  C. 

Paramaribo,  Guiana. ...  Eli  Van  Praag V.  C. 

Rotterdam Lars  S.  Reque C. 

do John  Visser V.  C. 

do Aire  H.  Voorwinden D.  C. 

Flushing Peter  Smith Agt. 

Schidam Leonard  Koot Agt. 

St.  Martin,  W.I Diedric  C.  Van  Romondt C.. 

do V.  C. 

St.  Eustatius J.  G.  C.  Every Agt. 


*  Also  Secretary  of  Legation. 

t  The  Consul-General  is  also  Minister  Resident. 


172 


THE   LEGAL  AND   FINANCIAL  LIGHTS   OF   AMERICA. 


Place. 
NICARAGUA. 


Name  and  Title. 


Managua C. 

do Henry  E.  Low V.  C. 

Cerinto Henry  Palazio Agt. 

San  Juan  del  Sur Charles  Holmann Agt. 

San  Juan  del  Norte — Thomas  O'Hara C. 

do  . .  Henry  de  Soto V.  C. 

Blueflelds J.  Herbert  Perkins Agt. 


PARAGUAY. 


Asuncion, 
do.. 


.Samuel  W.  Thome C. 

.EbenM.  Flagg V.  C. 


PERSIA. 

Teheran Alexander  McDonald *C.  G. 

do John  Tyler V.C.G. 

Buehire Tigrane  J.  Malcolm Agt. 

PERU. 

Callao Leon  Jastremski C. 

do  John  Eyre V.  C. 

Chiclayo Alfred  Solf Agt. 

Mollendo Enrique  Meier Agt. 

Paita John  F.  Hopkins,  Jr Agt. 

Piura Emilio  Clark Agt. 

Truxillo Edward  Gottfried Agt. 

Tumbez William  Baldini Agt. 

PORTUGAL  AND 
DOMINIONS. 

Fayal,  Azores Colin  C.  Manning C. 

do Moyses  Benarus V.  &  D.  C. 

Flores James  McKay,  Jr Agt. 

Graciosa Jose"  de  C.  C.  Mello Agt. 

St.  Michael's  William  W.  Nicholls Agt. 

San  Jorge Joaquin  J.  Cardozo Agt. 

Terceira Henrique  de  Castro Agt. 

Funchal,  Madeira Thomas  C.  Jones C. 

do William  J.  G.  Reid . . .  V.  &  D.  C. 

Lisbon John  B.  Wilbor V.  C. 

Faro F.  L.  Tavares Agt. 

Loanda,  Africa Prank  Weston Agt. 

Oporto William  Stuve Agt. 

Setubal Joaquin  T.  O'Neill Agt. 

Mozambique,  Africa W.  Stanley  Hollis C. 

do V.  C. 

Beira Charles  A.  Andrews Agt. 

Lourenco  Marquez  . .  .James  Mclntosh Agt. 

Santiago,  C.  V.  Islands. T.  8.  Bergstrom V.  C. 

Brava Joao  J.  Nunes Agt. 

Fogo C.  J.  Barbosa Agt. 

St.  Vincent J.  B.  Guimaraes Agt. 

ROUMANIA. 


Place. 
RUSSIA. 


Name  and  Title. 


Archangel Ferdinand  Lindes Act'gC. 

Batoum , James  C.  Chambers C. 

do Harry  R.  Briggs V.  C. 

Helsing'ors C. 

do Herman  Donner V.  C. 

Abo Victor  Forselius Agt. 

Wiborg C.  Edwin  Ekstrom Agt. 

Moscow Adolph  Billhardt C. 

do Thomas  Smith V.  C. 

Odessa Thomas  E.  Heenan C. 

do JohnH.  Volkmann V.  C. 

Rostaff  and  Tagan- 
rog  William  R.  Martin. . . Act'g  Agt. 

Riga Niels  P.  A.  Bornholdt C. 

do V.C. 

St.  Petersburg John  Karel O.  G. 

do Paul  Magnus V.  C.  G. 

Cronstadt Peter  Vigius Agt. 

Libau Hugo  Smit Agt. 

Revel Edmund  Von  Glehn.  Agt. 

Warsaw Joseph  Rawicz C. 

do V.  C. 

SALVADOR. 

San  Salvador C. 

do Guillermo  J.  Dawson V.  C. 

Acajutla Otto  Munchmeyer Agt. 

La  Libertad Alfred  Cooper Agt. 

La  Union John  B.  Courtade Agt. 

SAMOA. 

Apia James  H.  Mulligan C.  G. 

do William  Blacklock V.  C.  G. 

Agt. 


Bucharest Eben  Alexander tC.  G. 

do Wm.  G.  Boxshall V.  C.  G. 

*The  Consul-General  is  also  Minister  Resident. 
tThe  Consul-General  is  also  E.  E.  &  M.  P. 


SERVIA. 

Belgrade Eben  Alexander tC.  G. 

do Elie  Litzikas V.  C.  G. 

SIAM. 

Bangkok John  Barret *C.  G. 

do Edward  V.  Kellett V.  C.  G. 

SPAIN    AND    DOMIN- 
IONS. 

Alicante William  L.  Giro C. 

do John  L.  Giro V.  C. 

Baracoa,  Cuba Alfredo  T.  Triay C. 

do Jos6  Tur V.  C. 

Barcelona Herbert  W.  Bowen C.  G. 

do Henry  H.  Rider.. V.  &  D.  C.  G. 

Bilbao Sydney  I.  Dyer Agt. 

Gijon Calisto  Alvargonzalez Agt. 

Grao Theodore  Mertens Agt. 

Palma  Majorca Ernesto  Cannt Agt. 

Port  Mahon P.  B.  Vails Agt. 

San  Feliu  de  Guixols..Jose  Sibils Agt. 

San  Sebastian Julian  de  Salazar Agt. 


THE   LEGAL  AND   FINANCIAL   LIGHTS   OF   AMERICA. 


173 


Place.  Name  and  Title. 

Santander Faustino  Adriozola Agt. 

Tarragona Pelayo  Montoya Agt. 

Torrevieja Jose  nodar Agt. 

Cadiz Charles  L.  Adams C. 

do John  A.Parkinson V.  C. 

Algeciras Emllio  S.  Mensayas Agt. 

Huelva John  B.  Catlin Agt. 

Jeres  de  la  Frontera.  .William  W.  Wysor Agt. 

Port  St.  Mary's George  M.  Daniels Agt. 

Seville Samuel  B.  Caldwell Agt. 

Cardenas,  Cuba Joseph  L.  Hance C.  A. 

do Francisco  Cayro V.  C.  A. 

Carthagena Cirilo  Molina C. 

do Alberto  Molino V.C. 

Cienfuegos,  Cuba Owen  McGarr C. 

do Juan  J.  Casanova V.  C. 

Trinidad  de  Cuba Daniel  Quayle Agt. 

Zaza P.  D.  Buzz! Agt. 

Corunna Julio  Harmony C. 

do Raimundo  Molina V.  C. 

Carril Rogelio  Fereiros Agt. 

Corcnbion Placido  Castro Agt. 

Ferrol Nicasio  Perez Agt. 

Vigo Camilo  Molina Agt. 

Vivero Joaquin  Mufiiz Agt. 

Denia Andrew  F.  Fay C. 

do Ambrose  Bordehore V.  C. 

Garrucha Jose  Garcia  Suesa V.  C. 

do V.C.  A. 

Habana,  Cuba Ramon  O.  Williams C.  G. 

do Joseph  A.SpringerV.C.G.  &C.C. 

do AdolfoS.  Dolz D.  C.  G. 

do Joseph  A.  Springer C.  C. 

Madrid Ignacio  F.  Hernandez V.  C. 

Malaga David  N.  Burke C. 

do Thomas  R.  Geary V.  C. 

Almeria  Malaga Herman  F.  Fischer Agt . 

Granada Eugene  McCarthy Agt. 

Port  of  Marbella Miguel  Calzado Agt. 

Manila,PhilippineIsrds.Isaac  M.  Elliott C. 

do V.C. 

C6bu G.  E.  A.  Cadell Agt. 

Iloilo George  Shelmerdine Agt. 

Matanzas,  Cuba Alexander  C.  Brice C. 

do Henry  Heidegger V.  C. 

Nuevitae C.  A. 

do Joaquin  S.  Adan V.  C.  A. 

Gibara Jose  H.  Beola Agt. 

Saguala  Grande,  Cuba.  .Walter  B.  Barker C.  A. 

do V.C.  A. 

San  Juan,  P.  R John  D.  Hall C. 

do. . .  William  H.  Latimer. V.  &  D.  C. 

Aguadilla Aug.  Ganslandt Agt. 

Arecibo John  J.  Ball,  Jr Agt. 

Fajardo J.  Vaamonde  Lopez Agt. 

Gnayama J.  C.  McCormick Agt. 

Mayaguez Manuel  Badrena Agt. 

Naguabo .Antonio  Roig Agt. 

Ponce Felix  W.  Preston Agt. 

Viequez H.  N.  Longpre' Agt. 

San  Juan  de  los  Reme-  James  H.  Springer V.  C.  A. 

dios,  Cuba 


Place.  Name  and  Title. 

Santiago  de  Cuba Pulaski  F.  Hyatt C. 

do JohnT.  Hyatt V.  &  D.  C. 

do Louie  M.  Preval D.  C. 

Gnantanamo .  .Paul  Brooks Agt. 

Manzanillo W.  Stakeman Agt. 

Santa  Cruz Walter  Voigt Agt. 

Teneriffe,Canary  Islands c. 

do Philibert  Lallier V.  C. 

Grand  Canary Thomas  Miller Agt. 

Lanzarotte John  G.  Topham Agt. 

Orotava Peter  S.  Reid Agt. 

SWEDEN  AND  NORWAY. 

Bergen,  Norway Frederik  G.  Gade C. 

do Johan  C.  Isdahl,  Jr V.  C. 

Dronthehn Claus  Berg Agt. 

Stavanger C.  F.  Falck Agt. 

Christiania,  Norway Gerhard  Gade c. 

do Lauritz  F.  Bronn V.  C. 

Arendal Christian  Eyde Agt. 

Christiansand Ferd.  Reinhardt Agt. 

Gothenberg,  Sweden —  Otto  H.  Boyesen C. 

do Urban  KOrner V.  C. 

Helsingborg J.  Palmsborg Agt. 

Malmo Peter  M.  Flenaburg Agt. 

Stockholm,  Sweden Thomas  B.  O'Neill C. 

do Axel  Georgii V.  C. 

SWITZERLAND. 

Basle George  Gifford C. 

do LyinanC.  Bryan V.  C. 

Chauxdefonds Henri  Rieckel,  Jr Agt. 

Berne John  E.  Hinnen V.  C. 

Geneva Benjamin  H.  Ridgely C. 

do Peter  Naylor V.  C. 

Vevey William  Cuenod Agt. 

Horgen William  F.  Kemmler C. 

do William  Streuli V.  C. 

do Ferdinand  Leu D.  C. 

Lucerne Ernest  Williams Agt. 

St.  Gall Irving  B.  Richman C.  G. 

do JohnH.  Zollikofer V.C.  G. 

Zurich Eugene  Germain C. 

do Emil  J.  Constam V.  C. 

Aarau Remigius  Sauerlaender Agt. 

Winterthur Heinrich  Langsdorf Agt. 

TURKEY  AND  DOMIN- 
IONS. 

Bagdad C. 

do Rudolph  Burner V.  C. 

Baesorah    Agt. 

Beirut,  Syria Thomas  R.  Gibson C. 

do Cor.stantlne  Khouri V.  C. 

Aleppo Frederick  Poche Agt. 

Alexandretta Daniel  Walker Agt. 

Damascus Naeif  Meshaka Agt. 

Haifa Gottlieb  Schumacher Agt. 

Mersine Stephen  J.  Coidam Agt. 


174 


THE    LEGAL   AND   FINANCIAL   LIGHTS  OF   AMERICA. 


Place.  Name  and  Title.  Place. 

Cairo,  Egypt Frederic  C.  Penfleld *C.  G.  URUGUAY. 

do H.  L.  Washington. V.  & D.  C.  G. 

do St.  Leger  A.  Toohay C.  C. 

Alexandria James  Hewat Agt. 

Assioot Bestauros  W.  Khayat Agt. 

Assouan Agt. 

Beni-Souef Marcos  Lucca Agt. 

Candia,  Crete Agt. 

Keneh Abdel  K.  M.  el  Ammari. . . . Agt. 

Luxor Aly  Monrad Agt. 

Mansourah Ibrahim  Daoud Agt. 

Port  Said Richmond  Broadbent Agt. 

Sohag  and  Akhmin.  ..Abdel  Shaid Agt. 

Suez Alfred  W.  Haydn Agt. 

Constantinople Luther  Short C.  G. 

do William  Albert V.  C.  G. 

do John  A.  Bigelow Mar. 

Dardanelles Prank  Calvert Agt. 

Salonica Pericles  H.  Lazarro Agt. 

Erzerum,  Armenia Robert  S.Chilton,  Jr.. V.  C. 

Harpoot,  Armenia W.  Dulany Hunter. V.  C.  &C.  C. 

Jerusalem,  Syria Edwin  S.  Wallace C. 

do Herbert  E.  Clark V.  C. 

Yafa E.  Hardegg  Agt. 

Sivas Milo  A.  Jewett tC. 

do Eugene  Rodigas V.  &  D.  C. 

Samsoun G.  C.  Stephopoulo Agt. 

Trebizonde  H.  Z.  Longworth Agt. 

Smyrna James  H.  Madden C. 

do Ezra  J.  Davee V.  C. 

Mytilene Michael  M.  Fottion Agt. 

*The  Consul-General  is  also  Diplomatic  Agent. 

tBorn  of  American  parents  temporarily  residing  abroad. 


Name  and  Title. 


Colonia Benjamin  D.  Manton C . 

do Manuel  Caballero V.  C. 

Montevideo Edgar  Schramm C. 

do Thomas  W.  Howard V.  C. 

Paysandn John  G.  Hufnagel C.  A. 

do George  A.  Hufnagel .  ..V.  C.  A. 

VENEZUELA. 

LaGuayra Frank  D.  Hill C. 

do Thomas  D.  Golding V.  C. 

Barcelona Ignacio  H.  Baiz Agt. 

Caracas Winfleld  S.  Bird Agt. 

Carnpano Juan  A.  Orsini Agt. 

Cindad  Bolivar Robert  Henderson Agt. 

Cumana Jose  G.  N.  Romberg Agt. 

Maracaibo Eugene  H.  Plumacher C 

do Edouard  Beekman V.  C. 

do William  Volger D.  C. 

Coro Josiah  L.  Senior Agt. 

San  Cristobal Alexander  Boue Agt. 

Tovar M.  Bodecker Agt. 

Valera Marquard  Bodecker Agt. 

Puerto  Cabello Samuel  Proskauer C. 

do William  H.  Volkmar ,  V.  C. 

Valencia T.  H.  Grosewisch Agt. 

ZANZIBAR. 
Zanzibar R.  Dorsey  Mohun C. 


